We need a loan for about $70k soon for our lovely new house and we'll be using a broker, brokers are very helpful. Our car doesn't fit modern rear-facing baby seats but the older secondhand ones fit fine, so I've gone that way as they're cheaper than a new car. When baby is old enough to sit up we can get two new forward-facing ones.

Its a lot of money but have you tried looking to roll some of that debt out to credit cards? There are a few CC deals out there that are extremely low interest for new customers, for the first 6 months/year at least.