Sarnie

so effectively you "prey" on the weaker are you one of those who advertise on TV.... "bad credit rating? no problem! I'll get you a 200% mortgage!" I don't prey on anybody. I provide specialist advice for people with special circumstances Also my clients have proactively sought out a broker, I haven't cold called (as its now illegal) them or railroaded them into the appointment. They need me As for the TV ad, sounds good

Its got nothing to do with securing 115% on the property, its the property type. A studio flat, in a lenders eyes may be harder to sell on if they have to repossess

Tbh the only time I use that road is when there is trouble on the M4 so you're not likely gonna see me there again soon. I'll be at Goodwood later this month, if you're there we could hook up for a bevvy. Hello stanger

I can understand that particularly for commercial customers but why does anyone need a mortgage broker these days - who goes through a broker for their car insurance these days for example? With all the comparative websites there are, it's easier to deal direct with the lender surely? Not everyone is comfortable in their ability to source the best product for the biggest debt they are ever going to have. The comparative websites are bollox really they give tables of 'the top ten products' but I have access to nearly 30,000 different ones. Those tables are too generic to taylor a product to a clients specific needs. For example, I saw a lady last night looking to buy a studio flat. She wants to borrow 115% of what the properties worth and is so desperate to move quickly so tried the internet. Imagine trying to source a 115% product for a studio flat on the internet???? Eventually she enlisted the help of an expert (me ) and as we speak I'm underwriting a mortgage for her with a lender thats perfect for her needs. There are dozens of other examples such as people with adverse credit, self employed with no income verification or foreign nationals etc. This is my market. Also, as an intermediary, lenders give us preferential rates. So products that are available via the high street, sometimes can be upto 0.5% cheaper via me, as the lender needs to give us an advantage over people going direct to the lenders themselves

David Baker? Does he live round that way?

Aerial!!!!!!!!!!!!!!!

http://www.pistonheads.co.uk/sales/169495.htm A cheap set of rims and it'd do the job, plus 55 mpg

You've hit the nail on the head really. I promised myself I'd have one before I was 30 which is in two years time. My first month in business has tripled my projected figures and show no signs of abating. I'm going to buy it, run it for two years, and then sell up and cut my losses. I'm going to keep it to the 7500 miles a year service limits therefore it will only have an extra 15k on the clock in 2 years. The dealership reckoned that you lose £1.50 per mile driven in the lambo. In two years, or even sooner, I'll sell up get married, have kids and resort to a Ford Galaxy safe in the knowledge that 'I had a Lamborghini Gallardo' Can I ask what you business is Liam. I'm self employed. Maybe I should think of doing something different... I started my own mortgage brokerage in April I guess anything to do with property nowdays is a safe bet. Good luck with it, although it sounds like you don't need thta now... Yup, people will always want to buy houses or refinance debt

You've hit the nail on the head really. I promised myself I'd have one before I was 30 which is in two years time. My first month in business has tripled my projected figures and show no signs of abating. I'm going to buy it, run it for two years, and then sell up and cut my losses. I'm going to keep it to the 7500 miles a year service limits therefore it will only have an extra 15k on the clock in 2 years. The dealership reckoned that you lose £1.50 per mile driven in the lambo. In two years, or even sooner, I'll sell up get married, have kids and resort to a Ford Galaxy safe in the knowledge that 'I had a Lamborghini Gallardo' I did add a rider above. What is interesting when you look at the numbers is that the cost of raising and financing the capital outlay for a fixed period of say 18 months (provided you stick to it) is much much less than the depreciation - it might amount to around £4k and in fact be less than the insurance Once I have put my deposit down my deposit i am almost certain to have lost half of it, which is obviously a pisser but this is not an investment. I could stick my money into property but how boring I'm gonna lose money, fact. I'm gonna try to negate as much of that as possible where I can but I'm gonna lose money and gain an ownership experience that will hopefully be worth every penny

http://cgi.ebay.co.uk/New-Volk-Racing-G ... dZViewItem I'm sure someone on here was looking for these recently but can't remember who it was now? It goes without saying that the seller is in Hong Kong and the inherent risk that brings........

You've hit the nail on the head really. I promised myself I'd have one before I was 30 which is in two years time. My first month in business has tripled my projected figures and show no signs of abating. I'm going to buy it, run it for two years, and then sell up and cut my losses. I'm going to keep it to the 7500 miles a year service limits therefore it will only have an extra 15k on the clock in 2 years. The dealership reckoned that you lose £1.50 per mile driven in the lambo. In two years, or even sooner, I'll sell up get married, have kids and resort to a Ford Galaxy safe in the knowledge that 'I had a Lamborghini Gallardo' Can I ask what you business is Liam. I'm self employed. Maybe I should think of doing something different... I started my own mortgage brokerage in April

You've hit the nail on the head really. I promised myself I'd have one before I was 30 which is in two years time. My first month in business has tripled my projected figures and show no signs of abating. I'm going to buy it, run it for two years, and then sell up and cut my losses. I'm going to keep it to the 7500 miles a year service limits therefore it will only have an extra 15k on the clock in 2 years. The dealership reckoned that you lose £1.50 per mile driven in the lambo. In two years, or even sooner, I'll sell up get married, have kids and resort to a Ford Galaxy safe in the knowledge that 'I had a Lamborghini Gallardo'

I haven't mate and I'm sure its an awesome machine and may even be a better track toy than the lambo, but I just don't want one. They remind me of 80's yuppies with long hair and filofax's

I'm not. Nobody else can see it dude

Nope

But its a Porsche AND? there awesome! Whichever you get, i hope it goes well. I can only dream of the cars you can afford. I just don't like Porsche's for some reason. I have no logical explanation other than I don't want one. In my opinion they are great cars, for other people to own. It might be that I see about 15 911's a day plus a zillion boxters

But its a Porsche

Nope.

Huh? It was fom a cage rage poster, just saying he has done well for himself he is only 31 and ownes 7 nightclubs flash cars and yet is really down to earth and humble dispite his gains, rare to come by The little red crossed indicates that you tried to post a pic but for some reason we can't see it

Picture??????????????

I never removed it from mine as my kit was factory fitted therefore it would of been done in Sunderland. I'm a search on here should bring up some threads of people who have done it themselves

EDIT: Oops posted my PM instead of PM ing it

Just found this pic:

Correct

Go play on the motorway