You stated £16K for a 2 year old car with 5K on the clock, that is a base model A3 you're not got to get a 2 year old A4 or upwards from Audi for £16K with 5,000 on the clock.
Oil consumption is a know issue with Audi (on a range of engines) and they are replacing the parts FOC, however if you were unlucky enough to have own a BLB or BRE engine car back in the day, with the faulty oil pump then you are looking at a four figure bill. As I said you just have to be unlucky.
Again brakes & tyres etc all come down to mileage and for the servicing costs a CVT gearbox service will cost you over £200 and that has to be done every 38K miles, so there is over 50% of your servicing budget depleted.
This is just a quick search on Audi's web site at my local dealer just searching A3, A4 & A5 there was not much for 16k.
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That was just a flippant example.
But I have taken the trouble of finding a used A4 black edition 2.0TDI with good spec for £19750. Probably get it down to £19,500 easy.
https://usedcars.audi.co.uk/usedcar...,800|1041,20000|1070,2014/l|12,1,PRICE_SALE,U
Now you put down £5k and get a £14,500 loan from the bank at 3.9% APR over 36months (which is £420 per month). Cost of loan is £700.
You sell the car 3yrs later for 50% of its value (probably get more), so lets say £10k. Looking at 7yr old A4 black edition with 50k, thats more than fair.
So cost to own that used A4 over 3 yrs is £19,500 + £700 for the loan - £10,000 for the sale price. Thats £10,200 in depreciation and interest.
Equivalent spec A4 black edition brand new is £40k. £38k base and about £2k worth of options. You can get 18% discount so looking at £33k discounted price, and with a £5k deposit over 36m and 10k miles it's £370 per month, so that totals £18000.
A whopping £8k more than buying a 15plate used model with 17k miles on the clock....
You cant honestly tell me you expect the servicing and maintenance on a 15plate A4 with 17k miles is going to cost you more than £8k over 3 yrs....??
You're buying it after its major service, so have to factor in another minor and another major, and the major will be cheaper than new as you can use fixed prices. So cheaper than New.
Add in £200 for gearbox oil and £60 for brake fluid.
It will have new tyres and brakes as part of approved used, will have 12months warranty, and still wont need MOT in its first year of ownership.
An extra £1k if you're lucky. Extra £3k if you're really unlucky. Still
And while you put in £5k into the PCP, you have to find another £5k for the next one, despite already spending £18k!
For the used car you put in £5k, and now you have £10k!
New cars a vastly more expensive. Any notion that repair bills on a barely used car will exceed the deprecation and interest paid on a new car is just false IMO, and I've yet to see anything to convince me otherwise...
Again, if you want new cars, thats perfectly fine. I don't get the need to try and justify it as 'cost effective' over a used car. Just not true! Everyone knows new cars are stupidly expensive!!
. One of my friends has leased an E220 and will paying around £11,000-ish over two years for his car, which isn’t a bad deal (I think). 
