Get the kitchen of your dreams or buy a new car with a £10,000 loan

Kitchen

According to Which? The average spend on a new kitchen is around £8,000 before installation cost and appliances. Depending on the finish you want, you could easily be looking at spending over £10,000 creating your dream kitchen and adding the same value to your home.

Car

Changing your car is one of life’s pleasures. We teamed up with motoring expert Quentin Wilson to develop the ultimate guide to getting a great deal on your next car. There are bargains to be had if you’re prepared to haggle when buying a car. Four out of five Brits are haggling and getting results, according to our own research.

Haggling on cars. It might sound the last thing you’d expect any success from, but think again. "Twenty years ago people would have been mortified to have been seen haggling," says Quentin, but all that’s changed with more people willing to negotiate to get the best deals.

  • Cash at the ready – if you have the cash in the bank ready to buy, tell the salesman exactly that. He'll take you much more seriously.
  • Bold bargaining – never pay the asking price. Try for a 20 per cent discount.
  • Freebies – look for free insurance and free servicing deals – they can save you loads.
  • Clear exchanges – don’t get confused by part exchange prices – the only figure that matters is the price to change from old to new. Dealers can bamboozle you with figures on your old car.
  • Time your purchase - dealers have been told to sell new cars, which means salesmen have targets to reach either monthly or quarterly – so do some research and time your purchase to get the best deal.
  • How to negotiate a good price - If you're buying privately and lack confidence, remember that the seller isn’t confident either. "We deal with these situations every day of our lives," says Quentin, "and buying a car's no different. Don't get too emotionally involved – just put yourself forward and do it. You'll be amazed at how good it feels to negotiate a good deal.
  • Be insistent - for used cars, insist on seeing the car's service history and make sure there's a beat parade of rubber stamps. A service history can add 10 per cent to a used car’s resale. Insist on at least a year's warranty because three months is no good – and make sure you get a 12 months' MOT so that you know you're buying a car that's been independently checked.

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Representative Example A Hitachi loan of £10,000 over 5 years: rate of interest 3.1% (fixed), 3.1% Apr Representative, monthly repayment of £179.96, total charge for credit £797.60, total repayment of £10,797.60

 

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