I have bought my last few cars outright. But now the RRS and the FFRR are getting into silly figures i,m not sure I want to buy outright anymore

Wisdom required please

Would you HP or contract hire. If I lease on the company my personal tax (perk) will be horrible!!

Any suggestions   SDV8 vogue SE.
Corris grey and ivory leather + most of the toys.
Limited edition RRS model number 0001
Gone TDV8 RR Sport. Never to be forgotten.

Wife has an i8 BMW

If you have to borrow cash then the Banks / Building Societies are cheaper than car finance and you can get discount (heavy on RRS) from the dealers.

Cheapest finance is to increase your mortgage but only if you can be strict and pay it back over a sensible period (<4years) rather than letting the mortgage continue at the higher amount !

Always going to be cheaper ( in long run) to pay upfront as clearly whoever is financing the deal must be making a profit in return for letting you use their money.

I have always bought outright but with past car history, would never again buy on my own. Have put finance in place via personal loan with Black Horse but not direct finance on the car. I will still have the back up of a big finance house should the next car be a pup, at the end of three years there are no nasty milage shoxs, nor residuals to pay and if as I have in the past, decided to keep the car over three years, then don't have to buy it again from finance or lease company. 2x TDV6. SE and HSE. Both returned to sender with issues👀
TDV8 Sport HSE...... Gone. Loved it but it didn't love me!!
Now rolling in MY10 Fullfat TDV8 Vogue. Slammed it to go round corners🙈
Cruising daily #56 mph in a Volvo V8. 😱
Lots of other toys in the cupboard...😜

I normally buy outright, but with the RRS I took advantage of the LR 24 months free finance.
Pay 50% deposit, pay balance in 24 months, no cost. MY13.5 Autobiography, Santorini Black, Privacy Glass. Gone
Driving a milk float for now.

ravingmad wrote:

I normally buy outright, but with the RRS I took advantage of the LR 24 months free finance.
Pay 50% deposit, pay balance in 24 months, no cost.

I saw a really tasty RRFF in luxor with cream leather and TDV8. Offered the salesman 50% up front and asked for two years 0 % for the balance and he dammned near laughed!!!

  SDV8 vogue SE.
Corris grey and ivory leather + most of the toys.
Limited edition RRS model number 0001
Gone TDV8 RR Sport. Never to be forgotten.

Wife has an i8 BMW