GTS locked down. Best finance???

[VanB]

0% on purchase credit cards is useful if you have a wait time. Its easy to "save" 2-3K per month.

I have pot of 24K after saving for a year :-).

That's quite funny; for the majority of the population saving £2-3k per month is a dream they will never realise and many are lucky to save £2-3k per year.

[Bazza06]

0% on purchase credit cards is useful if you have a wait time. Its easy to "save" 2-3K per month.

I have pot of 24K after saving for a year :-).

[Wing Commander]

I am guessing that Adrian 'saves' or transfers £2k to £3k per month from current account (presumably from income) into a form of savings account, although probably only earning about 0.95% interest at present...

[Philp]

For those that used Clydesdale, how far in advance of draw down would you recommend contacting them? My car should be ready for collection and therefore financing at end Feb

[Bazza06]

For those that used Clydesdale, how far in advance of draw down would you recommend contacting them? My car should be ready for collection and therefore financing at end Feb

I contacted them about 3 months in advance just to ensure I would be accepted but the meat and bones of the application, which was done over the phone, took place about 2 weeks before the money was transferred.

I was surprised at how informal the process was given the amount of money involved. Compare this to the 3 months it took to remortgage £36K with a lender I'd been with for 15 years !!Bazza062017-01-17 18:50:22

[MCDK]

Ryan told me to contact him early Aug for a Sept delivery. Can happen a lot quicker I'm sure but good to get ahead.

[SQ52GTS]

For those that used Clydesdale, how far in advance of draw down would you recommend contacting them? My car should be ready for collection and therefore financing at end Feb

I believe that once it's approved it holds for 90 days. Mine was approved about 4 weeks prior to delivery once I knew car was here Ryan contacted the SE and all was sorted ready for me to pick up.

I'd ring them they are very helpful.

[Col Lamb]

Not sure if you have planned a route yet from Leipzig.

If you have not decided can I suggest that you have a look at a map of the Harz region.

I toured there a few years ogo on my motorcycle, great roads, friendly locals.

I can advise further if you wish.

[Wing Commander]

For those that used Clydesdale, how far in advance of draw down would you recommend contacting them? My car should be ready for collection and therefore financing at end Feb

My collection is due on 1st March ( to get the 17 plate ). I got my finance approved yesterday by Ryan. He said the approval lasts for 99 days I think. He can hold the rate for a month, so it might increase before 1st March. If the rate drops before 1st March, Ryan will switch me to the lower rate.

He'll contact me mid-Feb and request the invoice from the OPC at that stage.

I got 4.3% as only borrowing just over £28k or about 33% of the value. Larger advances can be at 4.2% APR.

I'd contact them now. Wing Commander2017-01-17 19:06:51

[Hawkeye]

Mine was done in 48hrs ..... stressful last minute switch from Halifax who messed up. Clydesdale in contrast were superb!