Sarnie

Cheers guys, some very valid points. In an ideal world I'd have car A and add the rims and zorst as it would then be top spec and low mileage but......................its an extra £14k for that privilege as rmmack said The dealer has done me a deal as it is up for £94500 at the moment. The rims are 3150 PLUS vat plus tyres, although said they can swap over the tyres fronm the standard rims. I really can't make my mind up

I have found two lambo's that I'm very interested in but really can't choose between them Both have pro's and cons, help me decide!! Car A: 2004 04 Orange Gallardo 6000 miles From Lambo bham Sat Nav Standard Rims Standard Zorst Warranty till Nov 07 Next service (£2500 ) paid for by lambo Clear Engine Bay (£4500 ) £89500 This is a great car, low mileage and has the security of buying from lambo. My problem is that I want the 06 rims (£3160+ VAT) and Tubi zorst (£2k) as well which means I'll be shelling out after I've bought it which i don't really want to do. I plan to do about 15k in two years so theoretically I could be trading it in with less than 20k on the clock hence helping the residuals. For some reason I worry a little bit about a car that has only done 2k a year Car B 2004 04 Orange Gallardo 17800 miles Private sale Sat Nav 06 Callisto's rims Tubi Zorst Extended Lambo warranty till march 08 Minor service (£1k) due at 22500 miles No clear engine bay Latest revision clutch installed march 07 £80,500 The second one would be over 32k in two years which worries me as this car already has about 8k more than similar cars. I can't decide whether I should be focusing on the lowere mileage and dealer security of the first car or the lower cost and spec of the second one? I know a lot of people would prefer to buy from Lambo but is it worth an extra £9k??? Even if the private one is a lemon, I've got to spend £9k on it before the dealer one become the better option? I know i will end up buying the rims and zorst if I buy the first one which then would take the price over £95k Votes and comments please

I'm 110% committed to buying the lambo, just don't wanna let my zed go too To be fair, on every test drive, the zed has immediately dissappeared from my thoughts

Don't tempt me I was even looking at getting the cheapest possible JDM as a second......

Whats replacing them?

Sure will. Its not raining yet but looks like it will. No matter I'm gonna stand out here in the rain if I have to

About to start a day of cleaning it for when the buyer arrives

I wanted this stuff ages ago...................looks good pal

TWO SETS?

Mate, it was 30C in Portugal last week, every day

Get a room you two homo's

I'm doing it. Just need to pick the right car.

I hope so. I keep having thoughts of keeping the zed and the money in the bank

I feel like i'm losing a body part tomorrow

I have found two but just can't split them

I feel emotional. I really don't want to sell. I've even considered not selling but I can't afford to keep both as the zed is the deposit

Car goes tomorrow :cry: :cry: :cry: :cry:

mate Your zed is sick. As the kids say

I am sorry but I have to support Pingu with this exact point. There is someone on PH where the CPS turned up in court with the print out of his posts! It was all about trying to undermine your credibility as a witness. Be very careful about what gets out in to the public domain! Glen Well im buggered then as every post i write is a load of shite Agreed.

He'll be using a panel of lenders, maybe 10 or 12, that pay him enhanced comm for using their panel. Using such a panel will mean limited advice as he is only using a limited amount of lenders from which to give you advice.

...and these people will be trying to sort their own mortgages on t'internet! Exactly mate, not everyone is as clued up as people on here. There are unscrupulous companies out there who will charge a fortune for their services. A pal of mine charges £3995

Yes mate we can count beans together Drop me a PM when your ready mate

I am FSA qualified and used to work as a financial advisor. My experience of this industry is that a broker will sell you the product that is best for him, in terms of commission and bonuses, and not the product that is best for you. We used to get incentivised promotions through from certain companies for selling one particular product over another so of course if your interested in earning money thats the product that you push. To be honest I don't see the need to employ a middle man these days when it's so easy to shop around with the internet etc and the high street banks practically giving money away ! Dan, I made your last point recently, but sarnie did point out to be fair that he had access to a greater range of products than I (for example) could get to through say fool.co.uk and also might get a better rate (which presumably would be passed to the end-user?) But for straightforward advances with no CCJ history, reasonable mortgaged percentage of property value etc, I think the internet is hard to beat personally Isn't this how folk with an eye on the most competitive rates end up tied into products or with huge redemption penalties? Its like doing your own conveyancing - if you f@ck it up who do you sue? No not really, it's a starting point and you are in a better position (with no baggage or targets if you like) to make an informed decision by asking the right questions. All the site is doing is putting you in touch with a likely provider direct - and you take it from there. Yes Dorian but what your getting is tied advice. What that means is that any lender can only give information on their products and no one elses. Therefore their advice is limited. Also they will only give you the answers to the questions you ask. Legally they are not 'allowed' to advise you in anyway shape or form. If they were to give you advice then they would have to give 'whole of market' advice and would therefore 8 out of 10 times would be advising you go to another bank as they have a better product! Are they going to do that? NO. If you don't ask about something eg Is the mortgage portable? Then when you want to move house and find that you've got to pay a whopping penalty then there is no come back as they have given you an 'Information Only' service. I, on the other hand, am completely independant and can legally advise on the whole of the market and not just a range of products from one lender The internet sites are a load of tosh really too. How can a top 10 table be formed when there are over 28000 different mortgage products to choose from. Someone like Halifax will have about 800 products on their own Also if you think that these comparison sites are 'independant' then think again. The site will get a referral fee from the lenders that subscribe to be placed on their tables

Who is the mortgage with as a lot companies offer identicle products, one will have free legals one will pay cashback of about £250 towards the cost of using your own legals