JudderMan
Registered User
Need to update my signature, sold my A4 in December Needed to get a run around before I buy 'new' or newer than I've ever bought before. Just don't have the time or inclination to be under the bonnet all the time, so looking at leasing or financing a Nissan Note (I know I know, sorry). But, once the wife has passed her test (I've been saying that for 10 years haha) I'll be back in an Audi and she can have the shopping trolley.
Leasing - found some good deals, bit worried about handing the car back without any dings as the Audi got hammered in car parks even when parking away from everybody. I like the idea of giving it back and getting something else in 2 years. I know it's essentially renting a car but depreciation is something I don't want to invest in. Plus, no hassle, no worries with leasing just rent the ****** and give it back. I might put it through the business as well, not 100% on this yet.
Finance - as above, depreciation is the key factor here. Nissan Notes seem to lose 40-50% in the first year then remain static for next 2 years then drop quite slowly although <2013 was a different face so prices won't be similar but even 2008 Notes are holding strong. I know all cars cost money, but the A4 cost me boat loads of cash and it was enough to make me look at possibly more reliable cars ie. 1 year old. All leasing companies I've looked at come out at similar prices so shopping around hasn't really helped.
Thing is I don't know what I'll be doing in 2 years. Looking to buy a house next year so I should really just keep the banger I've got as a run around. Business 'should' be taking a leap in the next 6-12 months, hopefully within 3 months, so that would help move things forward in my goal of getting a Porsche as a weekend car and a Note as a daily (don't mind the Note if I have a 911 in the garage) or B5 RS4 or S3 saloon depending on finances. I've looked at the usual comparison sites, used a site called Car Finance Machine which seemed to be a broker of some sort but as I'm self employed a broker is probably a better idea, and asked around but friends seem to just buy whatever and not care about depreciation or how much it costs per month.
I haven't been in a dealer yet as I'm waiting for a CCJ to come off my credit report from 6 years ago - was out of the country for 4 years and didn't even know I got it. It comes off at the end of this month, but I'm assuming it takes a month or so to update credit report.
Any tips would be great. Any self-employed people have any difficulties or is it easier to get finance as it's secured against the car rather than an unsecured loan/agreement. Should I just keep my banger of a car and not bother until I get a house (should be next April-July I'm hoping to apply for mortgage so a lease/finance would be a year into it. Was thinking 2 year lease or 4 year finance).
Maybe this thread is better suited to moneysavingexpert or something But I trust you guys' (and girls') opinions.
Leasing - found some good deals, bit worried about handing the car back without any dings as the Audi got hammered in car parks even when parking away from everybody. I like the idea of giving it back and getting something else in 2 years. I know it's essentially renting a car but depreciation is something I don't want to invest in. Plus, no hassle, no worries with leasing just rent the ****** and give it back. I might put it through the business as well, not 100% on this yet.
Finance - as above, depreciation is the key factor here. Nissan Notes seem to lose 40-50% in the first year then remain static for next 2 years then drop quite slowly although <2013 was a different face so prices won't be similar but even 2008 Notes are holding strong. I know all cars cost money, but the A4 cost me boat loads of cash and it was enough to make me look at possibly more reliable cars ie. 1 year old. All leasing companies I've looked at come out at similar prices so shopping around hasn't really helped.
Thing is I don't know what I'll be doing in 2 years. Looking to buy a house next year so I should really just keep the banger I've got as a run around. Business 'should' be taking a leap in the next 6-12 months, hopefully within 3 months, so that would help move things forward in my goal of getting a Porsche as a weekend car and a Note as a daily (don't mind the Note if I have a 911 in the garage) or B5 RS4 or S3 saloon depending on finances. I've looked at the usual comparison sites, used a site called Car Finance Machine which seemed to be a broker of some sort but as I'm self employed a broker is probably a better idea, and asked around but friends seem to just buy whatever and not care about depreciation or how much it costs per month.
I haven't been in a dealer yet as I'm waiting for a CCJ to come off my credit report from 6 years ago - was out of the country for 4 years and didn't even know I got it. It comes off at the end of this month, but I'm assuming it takes a month or so to update credit report.
Any tips would be great. Any self-employed people have any difficulties or is it easier to get finance as it's secured against the car rather than an unsecured loan/agreement. Should I just keep my banger of a car and not bother until I get a house (should be next April-July I'm hoping to apply for mortgage so a lease/finance would be a year into it. Was thinking 2 year lease or 4 year finance).
Maybe this thread is better suited to moneysavingexpert or something But I trust you guys' (and girls') opinions.