Man this is frustrating.. I am hoping someone here on BB can offer some advise about how to go about this...

Here is a basic run down of our situation

Car loan needs to be paid out in the amount of $13k
I want $10k to add to the trade in value of current car which will not be big enough for 5 kids.
I want to add the above two figures so 23K to an existing 5k personal loan.

So in total I want let say $29,000 to consolidate my current debts & finance a bigger car.

THe car I want is a grey import so car finance places wont touch it.

IF we can get the loan out monthly repayments would be $100 a month less then our current loan repayments (for both the car & personal loan)

But so far we are hitting a brick wall. We are with ANZ who say no.

I don't want to put too much of a financial situation online so am hoping maybe someone with a bit of know how could PM me maybe?

The bank said we can't do it as a joint application as I have not been working for at least 12 months. BUT DH's income isn't all we get. By not including mine its cancelling out about 2k a month. But it is looking at out situation as though all of our living expenses, kids etc are solely based on DH's income.

Please can anyone help me with this, we really need to get a new car! Not just because the kids wont fit but its going to die in the arse sooner rather then later.