I think you will find 4% next to impossible unless its a car loan through Halifax and the max loan amount on that is £35k I think.

For a straight forward PCP 4.9% is about the best one can pick up. I managed 4.9% through Oracle as they got the lender to match Rockar.

5.2% is the best I got via Magnitude finance.

Hi, I've got a my16 RRS Autobiography. Current finance runs out early November.

I think I am going to struggle to spec a new car and have it delivered by then, especially as I am not sure if I am going to go for an SVR or different brand.

Thoughts are to refinance the balloon payment in november, then start shopping for a new car, possibly taking delivery in Mar 19. Then paying off the refinance PCP with a trade in for a new car.

Has anyone done this? Did it work out cost effective, any refinancing company recommendations and achievable apr's? Range Rover Sport SVR - Santorini Black
Range Rover Sport Autobiography 2016 Yulong White / black interior - Stealth pack
Ferrari 360 F1 Spider red/cream
Ferrari 348 ts red/cream
BMW M4 Convertible Competion Pack