'What SUV type automatic would you suggest? - my wife and I both have problems with our knees'
Aidan Timmons and Motoring Editor Eddie Cunningham team up to help readers make the right choice with their next car. Aidan visits dealers all over the country to produce a monthly guidebook on the values of used cars. He is co-editor of Motor Trade Publishers, who supply a car-valuing service to the motor trade, insurance companies and finance houses. Eddie is author of former best-seller 'Clever Car Buying'
My wife and I both need cars for work. She drives the longer distance. Both cars are old and in need of trading up.
Our current plan is for my wife to trade up and I'll take her old car and we'll scrap my vehicle which is older and also in a worse condition.
Our plan is to take out a loan, buy her a car and then when the loan is repaid in five years, we'll do the same as the above with me taking the old car and her getting the newer car.
Would you think that buying the car outright is the right way to go versus PCP?
We would love suggestions for an SUV type automatic as we both have problems with our knees. Our budget would be about €18k with about €5k of that as a deposit.
Wife's car: 15k annual mileage. Present car: 05 Opel Astra 1.6 auto. 130,000km.
My car details are: 02 Ford Focus 1.4, manual. 160,000km. 8,000km annually.
Aidan and Eddie: You have a succession plan, which involves owning the newer car outright so that you can inherit it.
If you go the PCP route, you can still opt to buy it at the end but it might make more sense to simply go for a hire purchase from day one instead.
If the APR rate is 0pc, or close to it, on a PCP, then you could avail of the low monthly cost for three years and buy the car at the end of the agreement.
Do not assume that you have to use all of your €5,000 for a deposit.
Make sure that the deposit amount is a fair enough reflection of the amount of equity you will need at the end of the PCP agreement.
PCP is an excellent finance tool but sometimes people misrepresent and misunderstand it.
Crunch the numbers and see what works best. An automatic SUV will be tough to find but look for a Qashqai with the CVT gearbox.
If going new, then consider the Toyota C-HR or a SEAT . Petrol works for both of you.
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