Best Lease Car Deals Available? (Vol II)

[Trif]

8000 miles and personal deal (incl VAT). I was considering the Zetec S 140 but this came up for not a lot more and couldn't say no.

[JD]

Barlows said:

BMW 3 Series Saloon 330e Sport 4dr Step Auto

£213.24 incl VAT monthly rentals
£1919.16 incl VAT initial rental
Personal contract hire
Contract term : 24 months
Rental profile : 9 + 23
Annual mileage : 8000
Production status : New model
CO2 band : A (0-100 g/km)

1st Choice

Looks good to me.

This is extremely interesting....

All the 10k deals appear to be business only however, and no details on the excess mileage charge. Might be worth a phone call in the morning.

[dontfollowme]

Trif said:

8000 miles and personal deal (incl VAT). I was considering the Zetec S 140 but this came up for not a lot more and couldn't say no.

What was the Zetec S deal?

[nickfrog]

Joe Leam said:

Looking for a gold R deal with DSG.... This look any good / has anyone found better that is still available? I feel late to the cheap golf party.

33 x £252.18 inc VAT
http://www.carleasing-online.co.uk/volkswagen-golf...

It's actually £349/month over 24 months when the deposit is amortised or £8,366 for 24 months and 10k miles, ie 83p/miles. Sounds like a lot to me. But the headline is great

[Siko]

Looking for a decent Golf GTD (R.....pppllleeeeaasssseeeee) or GTi deal, 5 door with DSG (hopefully) and under £300. Preferably small deposit so I can see the true cost easily and available immediately......if anyone has any bright ideas?

[Trif]

dontfollowme said:

What was the Zetec S deal?

This one. https://www.gateway2lease.com/cars/ford/fiesta/fie...

Although this is now available if you don't mind being 20hp/3000 miles down. https://www.gateway2lease.com/cars/ford/fiesta/fie...

Trif said:

My new least Fiesta ST3 finally arrived today. Considering I went for a lease for less hassle, it hasn't proved to meet that criteria very well so far. 1st delivery was cancelled on Monday half way through the day due to a "broken gearbox" and the rescheduled delivery was today but I have found 6 bits of damage on the paintwork at the point of delivery. Fortunately I spotted them on the 3rd pass round the car before signing it off.

Anyone got any comments or experiences regarding the above? Did it get sorted out OK?

[4737 Carlin]

Trif said:

Trif said:

My new least Fiesta ST3 finally arrived today. Considering I went for a lease for less hassle, it hasn't proved to meet that criteria very well so far. 1st delivery was cancelled on Monday half way through the day due to a "broken gearbox" and the rescheduled delivery was today but I have found 6 bits of damage on the paintwork at the point of delivery. Fortunately I spotted them on the 3rd pass round the car before signing it off.

Anyone got any comments or experiences regarding the above? Did it get sorted out OK?

So what happened, did you refuse the car? Was this at your house or at the dealers? How have you left it with them?

[Blown2CV]

how does a gearbox break on a car before it's even delivered?! Surely that sort of thing would have come up in pre-shipping QA?

[4737 Carlin]

Blown2CV said:

how does a gearbox break on a car before it's even delivered?! Surely that sort of thing would have come up in pre-shipping QA?

I presumed he meant the 'box on the delivery truck.

[Blown2CV]

4737 Carlin said:

Blown2CV said:

how does a gearbox break on a car before it's even delivered?! Surely that sort of thing would have come up in pre-shipping QA?

I presumed he meant the 'box on the delivery truck.

i don't think they'd go to the trouble of telling the customer what specific thing went wrong with the transporter truck?! They'd just say it broke down surely? I'd definitely infer that the broken box was on the customer's car.

[BlackST]

I've got
upto £180 p/m
personal deal
ideally 36 months
can put down upto £1500

Has anybody seen any good deals?

Just need a reliable daily. Not a 80bhp Fiesta
Currently looking at the zetec s 1.0 ecoboost which has 125bhp but I think that still may be underpowered and it only has 5 gears. looks good though.

[Trif]

Blown2CV said:

how does a gearbox break on a car before it's even delivered?! Surely that sort of thing would have come up in pre-shipping QA?

No idea. But it was fixed the same day, so I can only assume the linkage would need adjusting? Certainly feels fine to me.

4737 Carlin said:

So what happened, did you refuse the car? Was this at your house or at the dealers? How have you left it with them?

I took delivery of the car, but noted the damage with the delivery driver and emailed pictures to Gateway2Lease. It's on my driveway.



ChipsAway have been instructed to quote for a repair... I've asked G2L if it can be repaired (not at my cost) on return.

BlackST said:

I've got
upto £180 p/m
personal deal
ideally 36 months
can put down upto £1500

Has anybody seen any good deals?

Just need a reliable daily. Not a 80bhp Fiesta
Currently looking at the zetec s 1.0 ecoboost which has 125bhp but I think that still may be underpowered and it only has 5 gears. looks good though.

You sound exactly like me! That deal was pretty much standard for a ST before my deal turned up.

[darren f]

A question if I may? This is something that never occurred to me before. I am in a position where I am about to change jobs, going fully 'freelance' (self employed) is an option. Has anyone had any problems sorting a lease deal if operating as freelance or a sole trader? The business lease deals seem geared towards limited companies (I won't have the turnover or want the hassle, nor am I 'powerfully built' enough ) and a couple of personal leases I have enquired on asked for confirmation of a 'car user allowance payment' or 'expenses-paid mileage' being recoverable before they would quote, effectively suggesting an employee / employer scenario.

Is it just a case that I will state my 'business' will be charged business related mileage (personal contract lease) as an expense, although the only evidence I will of this is my scruffy Excel spreadsheet accounts / tax return? I know the obvious answer is get an accountant on board to advise, but I may need reliable transportation pdq if I go for it and this is one of the considerations.

[Stu-nph26]

BlackST said:

I've got
upto £180 p/m
personal deal
ideally 36 months
can put down upto £1500

Has anybody seen any good deals?

Just need a reliable daily. Not a 80bhp Fiesta
Currently looking at the zetec s 1.0 ecoboost which has 125bhp but I think that still may be underpowered and it only has 5 gears. looks good though.

I got a Sirocco R direct with the dealer (benfield VW) for a little more than your budget. 2k down £170 per month that was with the option of white. Not sure if they are doing it again they did run out but said offers may be available end of this year early next.

[mikeN54]

darren f said:

A question if I may? This is something that never occurred to me before. I am in a position where I am about to change jobs, going fully 'freelance' (self employed) is an option. Has anyone had any problems sorting a lease deal if operating as freelance or a sole trader? The business lease deals seem geared towards limited companies (I won't have the turnover or want the hassle, nor am I 'powerfully built' enough ) and a couple of personal leases I have enquired on asked for confirmation of a 'car user allowance payment' or 'expenses-paid mileage' being recoverable before they would quote, effectively suggesting an employee / employer scenario.

Is it just a case that I will state my 'business' will be charged business related mileage (personal contract lease) as an expense, although the only evidence I will of this is my scruffy Excel spreadsheet accounts / tax return? I know the obvious answer is get an accountant on board to advise, but I may need reliable transportation pdq if I go for it and this is one of the considerations.

God knows who you asked for quotes that asked you that? I've been getting lease quotes for years and never been asked that once. I run a small LTD co too, but that has nothing to do with any lease co.

An important definition to avoid is "self employed". I if you set up a LTD co you are an employee of that firm. Never "self employed".

Personal lease = your private arrangement, nothing to do with work / job / own business etc. getting the lease is based on your personal credit rating only.

Business lease = leased by a company, nothing to do with YOU.

Any issues of car allowances / claimed mileage etc is bugger all to do with any lease company and you should tell them that.

Edited by mikeN54 on Thursday 10th December 14:00

[chrispmartha]

darren f said:

A question if I may? This is something that never occurred to me before. I am in a position where I am about to change jobs, going fully 'freelance' (self employed) is an option. Has anyone had any problems sorting a lease deal if operating as freelance or a sole trader? The business lease deals seem geared towards limited companies (I won't have the turnover or want the hassle, nor am I 'powerfully built' enough ) and a couple of personal leases I have enquired on asked for confirmation of a 'car user allowance payment' or 'expenses-paid mileage' being recoverable before they would quote, effectively suggesting an employee / employer scenario.

Is it just a case that I will state my 'business' will be charged business related mileage (personal contract lease) as an expense, although the only evidence I will of this is my scruffy Excel spreadsheet accounts / tax return? I know the obvious answer is get an accountant on board to advise, but I may need reliable transportation pdq if I go for it and this is one of the considerations.

You may struggle to get a lease at all if you have only just gone Self Employed.

When I took out my business lease they wanted a years accounts from my accountant. This was direct from BMW, I haven't a cue why they would ask about the expenses mileage thing, it's absolutely nothing to do with them. When I was self employed (I've incorporated the business now) I just used the 49p per mile to claim back against my tax return.

[m3sye]

Anyone managed to get Tourag R line from a dealer?

[big_boz]

darren f said:

A question if I may? This is something that never occurred to me before. I am in a position where I am about to change jobs, going fully 'freelance' (self employed) is an option. Has anyone had any problems sorting a lease deal if operating as freelance or a sole trader? The business lease deals seem geared towards limited companies (I won't have the turnover or want the hassle, nor am I 'powerfully built' enough ) and a couple of personal leases I have enquired on asked for confirmation of a 'car user allowance payment' or 'expenses-paid mileage' being recoverable before they would quote, effectively suggesting an employee / employer scenario.

Is it just a case that I will state my 'business' will be charged business related mileage (personal contract lease) as an expense, although the only evidence I will of this is my scruffy Excel spreadsheet accounts / tax return? I know the obvious answer is get an accountant on board to advise, but I may need reliable transportation pdq if I go for it and this is one of the considerations.

I am self emplyed via my own ltd company and i am the director (powerfully built so i am) anyway, as a Ltd company there is no benefit to leasing a car through the business due to the company car tax, tax on private fuel contribution and a number of other reasons including the fact that you cant claim the higher rate for mileage if it is a comapny vehical.

As a private lease i can claim the 45ppm and easilly cover in excess of 15k business miles PA equating to c.£6k in non taxable expenses, which means i benefit from something in the region of £1200 off my corp tax bill at the very least. Running it through the company would cost me money. the only exception to this is running a ZEV but that is alot of messing about, yes a Tesla would make sense financially but i dont want to be spending a grand a month on a car and there are no other ZEVs which i would consider. consider you could get a new car on lease inclusive of VAT for a little more than £100 a month and in reality if you cover 15k miles effectivley the car is free from mileage allowance claims alone. My man maths has me deduct the £1.2k off the total i will pay in a year for the lease...obviously

In your position OP as a sole trader there is no benefit whatsoever to running a lease vehicle though your business, unless it is a commercial vehical but thats a different kettle of fish all together. I know friends (who are LTD) who have taken advantage of business only leases by simply paying for the lease via thier company bank account, but in reality the prices they pay could have been achieved on a private lease through a bit of haggling. As a sole trader you can claim the standard mileage allowace via HMRC, but in all self employment scenarios, getting an accountant is essential in my opinion.

As it goes i am an accountant by trade, i dont consider myself an expert on the subject (not my field) but i would say i have picked quite a bit up over the years. The only financially benefical car worth running through your business (LTD) is a classic older than 15 years. In this scenario, all running costs are tax deductable, and the company car tax is based on the original purchase price, there are cap gains tax issues in the long term, but they are negligable if you do it right and have a good accountant.

[chrispmartha]

big_boz said:

I am self emplyed via my own ltd company and i am the director

You're not Self Employed ;-)

[big_boz]

m3sye said:

Anyone managed to get Tourag R line from a dealer?

Had an offer come through from my VW dealer a week or so ago (sourced my last few lease deals from them)Lightcliffe VW in Halifax. Having leased a few dubs from main dealers i know the deposit is rife for the haggle, got half my £1600 deposit back on my B8 passat in April this year. Contact a guy called neil wells at lightcliffe. Deals are:-




3 UNBELIEVABLE VOLKSWAGEN CONTRACT HIRE OFFERS

VOLKSWAGEN TIGUAN MATCH 2.0 TDI 150PS BMT 2WD 5DR MANUAL IN WILD CHERRY RED METALLIC
from only £161 per month (plus vat and initial rental)

Car in stock for immediate delivery - only 1 available

Specification includes; 17" Alloy Wheels, Satellite Navigation, Electronic Climate Control, Parking Sensors Front & Rear,Park Assist, Multifunction Steering Wheel, Front Fog Lights,

Business
Metallic
5,000
£1454.04 + vat
23 payments of
£161.56 + vat

Personal
Metallic
5,000
£1744.85 inc vat
23 payments of
£193.87 inc vat




VOLKSWAGEN GOLF GTD 2.0 TDI 184PS NAV 5DR MANUAL IN PURE WHITE SPECIAL SOLID PAINT
from only £186 per month (plus vat and initial rental)

Car in stock for immediate delivery - only 1 available

Specification includes; 18" Alloy Wheels, Satellite Navigation, Bi-Xenon Headlights, Parking Sensors Front & Rear, 2Zone Climate Control, Multifunction Steering Wheel, Front Fog Lights, Keyless Entry and Start.

Business
Special Solid Paint
5,000
£1674.54 + vat
23 payments of
£186.05 + vat

Personal
Special Solid Paint
5,000
£2009.45 inc vat
23 payments of
£223.26 inc vat




VOLKSWAGEN TOUAREG R-LINE 3.0 V6 TDI 262PS BMT 5DR TIP AUTO IN PURE WHITE
from only £295 per month (plus vat and initial rental)

Car in stock for immediate delivery - only 1 available

Specification includes; 20" Alloy Wheels, Leather Upholstery, Electric Panoramic Sunroof, Electric Tailgate, Keyless Entry & Start, Satellite Navigation, Bi-Xenon Headlights, R Line Body Styling Kit,

Business
Solid Paint
5,000
£2661.39 + vat
23 payments of
£295.71 + vat

Personal
Solid Paint
5,000
£3193.67 inc vat
23 payments of
£354.85 inc vat