Refinancing after 3 years - advice and opinions

[240Cup]

Anyone started to plan for this - have any options?

I took the standard Lotus PCP, mine was a December 22 delivery. I think it was 10 grand in and circa £670 a month and circa £54K at the end.

I imagine my car will be 'worth' circa £50K in December 25. Happy to refinance it and pay the balloon of £54K as it is SUCH a good car. I have no intention of handing it back. It will be a keeper long term with some significant sentimental value (picked it up from Hethel with my Dad who is significantly poorly right now) so ideally want to reduce my monthlies and take the pill on it over a longer period.

Yeah yeah, PCP costing a fortune etc etc only buy in cash etc etc never buy what you can't afford etc etc, none of that please!!

I do have other stuff that is owned outright that I could pull equity out of if necessary (cars not houses).

PS nearly 20,000 miles in now and apart from a wobble at 1,000 miles - nigh on fautless.

[celticstevie]

I run. a finance brokerage - happy to refinance it onto HP or lease purchase with a balloon

[240Cup]

Hello pal, that would be poetic seeing as we met all those years ago when I picked up my 430 from Scotland!!

I usually use Oracle but will give you a shout - where can I find the deets?

Did you press the button on an Emira in the end?

[celticstevie]

Hi - message me at [e-mail]

I have not pulled the trigger as bene buying more properties instead