Which 4 Series Should I Go For?

Which 4 Series Should I Go For?

Author
Discussion

silent ninja

863 posts

102 months

Saturday 5th March 2016
quotequote all
I don't think it suits specifically a 3/4 series BMW in M Sport trim. I knew you'd bring up the Ferrari. Doesn't matter what I think, if you like it then great smile

gizlaroc

17,251 posts

226 months

Saturday 5th March 2016
quotequote all
Yeah.

I think I bought it when they were doing their 50% off deals. It was about 3 years ago now.

StJohn

81 posts

175 months

Sunday 6th March 2016
quotequote all
J4m80 said:
Hi StJohn

I am waiting on delivery of similar spec but with ivory white interior, how do you find the engine? I based my choice on a test drive in a 20d so quite excited to get back into a petrol powered car.
I test drove a 328i as I really wanted a 435i but they didn't have any, (this was a year and a half ago). Once I had driven it, I couldn't justify the extra expense. In comfort, it is a lovely smooth cruiser, in Sport it is a completely different car. On my own, with the paddle shift in Sport, it is plenty enough and has a nice engine sound too.
The Merino leather with the stitch detail and piping makes the interior feel like a much more expensive car. Personally as it would have been my 4th BMW with black leather in a row, it was an extra I didn't mind paying for. I've never liked the grain or feel of the standard leather and although the red seats were OK, I don't think the red door cards and everything else looked right in this standard of car. The Golden Brown is really nice. I was a bit worried as I didn't see a sample of it, just on screen and whilst waiting for the car to be built I had panics after reading reviews saying it was orange! It isn't, and it is the first thing everyone admires when they see the car, thankfully!
Yours sounds nice. I keep a tub of Dr Leather wipes in the boot to keep the seats clean. This removes any die transfer from jeans, no problem. May be worthwhile with ivory having them protected with a sealer first, but the wipes should work.
Enjoy!

JMBMWM5

2,300 posts

200 months

Monday 7th March 2016
quotequote all
StJohn said:
I have a 428i GC in Mineral grey with golden brown Merino, piano black and brushed aluminium. Also went for the M Sport plus, so bigger wheels, blue calipers, tints and Harmon Kardon. Absolutely cannot fault anything about it, looks, drive and practicality. Had it over a year now and only 5k on the clock!
Have got an Interior picture please as I have the same leather on order, thanks

Dave350

359 posts

120 months

Tuesday 8th March 2016
quotequote all
How does this sound for a PCP? Very well specc'd BMW 440i.

List - £47.5k goes to £37.9k (£9.6k Discount).

£10k Dep
35 x £330
GFV £19.7k

I'm looking at it as a longer termer that I'd purchase at the end of the 3 years.

The deposit & monthlies balance out depending on how much one is vs the other, hence the larger deposit and need for lower monthlies due to purchasing a house next year.


bigfish

418 posts

189 months

Tuesday 8th March 2016
quotequote all
Dave350 said:
How does this sound for a PCP? Very well specc'd BMW 440i.

List - £47.5k goes to £37.9k (£9.6k Discount).

£10k Dep
35 x £330
GFV £19.7k

I'm looking at it as a longer termer that I'd purchase at the end of the 3 years.

The deposit & monthlies balance out depending on how much one is vs the other, hence the larger deposit and need for lower monthlies due to purchasing a house next year.
Doesn't sound too bad, but still £600 which seems alot. I am toying with the same equation and not sure what to do!
How many miles is this to BTW?

Edited by bigfish on Tuesday 8th March 17:58

Dave350

359 posts

120 months

Tuesday 8th March 2016
quotequote all
bigfish said:
Doesn't sound too bad, but still £600 which seems alot. I am toying with the same equation and not sure what to do!
How many miles is this to BTW?

Edited by bigfish on Tuesday 8th March 17:58
8K.

What are the figures you have managed so far?

Currently doing my research and the more the merrier!

Any options a must for you etc?

silent ninja

863 posts

102 months

Tuesday 8th March 2016
quotequote all
£600 a month is still quite a bit but if you've specced it to the heavens and it's the car you want, then it's a decent deal. I'd consider lowering the mileage even more if you want to keep it. Also aim for a free service pack as a minimum.

Have you considered the 3 series spec for spec? It'd be interesting whether that has a bigger discount - essentially it's the same car.

Dave350

359 posts

120 months

Tuesday 8th March 2016
quotequote all
silent ninja said:
£600 a month is still quite a bit but if you've specced it to the heavens and it's the car you want, then it's a decent deal. I'd consider lowering the mileage even more if you want to keep it. Also aim for a free service pack as a minimum.

Have you considered the 3 series spec for spec? It'd be interesting whether that has a bigger discount - essentially it's the same car.
Includes M Sport Plus Package, Comfort Access, Parking Package, Folding & Dimming Mirrors. Also looking to add the extended storage and heated wheel.

Will lowering the mileage impact the total price? Or just decrease monthlies and increase the GFV?

Service pack is £525 for 5 years / 50k and wouldn't be included for free. This is due to the deal already having £9.6k discount in it. Are there examples of people getting more than this? (£47.5k down to £37.8k)

I haven't enquired about a 3 series, I'm test driving a 340i next week as my local dealer doesn't have a 440i available, i wanted to get a feel for the engine, as well as having a look at the 3 as may enquire.

Looking to start trying for a little one next year, so would have a little one in 2 years. Would I regret getting a 4 do you think? I prefer it aesthetically, and my
thought process is that it will be tiny for quite a while and the 4 is still quite spacious! Advice / Sense needed here, i'm thinking what I want and how what I want can work!

gizlaroc

17,251 posts

226 months

Tuesday 8th March 2016
quotequote all
If spending close to £40k I think I would rather pick up a used M4.

If you do then change your mind when the little one arrives you will not loose half as much as a new 440i imho.

My 335i was £46k new, £38k after discount, and at 24 months old was being offered £22-24k from dealers, in the end sold privately for £26k.

At the same time a year old M3 was coming in at around £4k more, and when I sold my 335i the M3s had only depreciated around £6k compared to my £12-16k.


Plus I think the new M3/4 will do better as they are much more of an everyday car in regards to fuel costs etc.
The V8 was an 18mpg car vs 28mpg on the 335i, 440i vs M4 is probably 2mpg difference.

If you genuinely are keeping it long term fair enough, but why not go M rather than M-Sport when getting that close in price?

Dave350

359 posts

120 months

Wednesday 9th March 2016
quotequote all
gizlaroc said:
If spending close to £40k I think I would rather pick up a used M4.

If you do then change your mind when the little one arrives you will not loose half as much as a new 440i imho.

My 335i was £46k new, £38k after discount, and at 24 months old was being offered £22-24k from dealers, in the end sold privately for £26k.

At the same time a year old M3 was coming in at around £4k more, and when I sold my 335i the M3s had only depreciated around £6k compared to my £12-16k.


Plus I think the new M3/4 will do better as they are much more of an everyday car in regards to fuel costs etc.
The V8 was an 18mpg car vs 28mpg on the 335i, 440i vs M4 is probably 2mpg difference.

If you genuinely are keeping it long term fair enough, but why not go M rather than M-Sport when getting that close in price?
The 440 would be a slight stretch, I started looking at 430s/C classes but thought I may as well go for what I really wanted. The M would be a tad too far, even the used ones are still running in the mid 40s which is an extra £6k! Maybe one day hey

gizlaroc

17,251 posts

226 months

Wednesday 9th March 2016
quotequote all
But you are financing, so I would get some figures, you might find it comes in a fair bit cheaper.

I got a quote on an M4 at £44k, with £5000 down Lombard were coming in at £409 a month with a balloon of £24000

silent ninja

863 posts

102 months

Wednesday 9th March 2016
quotequote all
On servicing, it's a significant cost. The service pack is worth it and I'd absolutely hold them to ransom before signing a deal. The amount you're spending, it shouldn't be too hard to get it thrown in.

bigfish

418 posts

189 months

Wednesday 9th March 2016
quotequote all
I have just leased a VW Passet Allroad (£31k list) for £137 a month. Mega deal and now probably means I can get a nice coupe for the wife

Happy days - my advice is to keep an eye out on the lease thread

silent ninja

863 posts

102 months

Wednesday 9th March 2016
quotequote all
bigfish said:
I have just leased a VW Passet Allroad (£31k list) for £137 a month. Mega deal and now probably means I can get a nice coupe for the wife

Happy days - my advice is to keep an eye out on the lease thread
Saw that deal before it went mental yesterday. It's a completely different car to a 4 series. Apples and oranges. The Passat is a tool. It's practical. It's not really something a potential Sporty Coupe/saloon owner would look at IMO. Good bargain if it suits your needs

Edited by silent ninja on Wednesday 9th March 22:07

bigfish

418 posts

189 months

Thursday 10th March 2016
quotequote all
silent ninja said:
bigfish said:
I have just leased a VW Passet Allroad (£31k list) for £137 a month. Mega deal and now probably means I can get a nice coupe for the wife

Happy days - my advice is to keep an eye out on the lease thread
Saw that deal before it went mental yesterday. It's a completely different car to a 4 series. Apples and oranges. The Passat is a tool. It's practical. It's not really something a potential Sporty Coupe/saloon owner would look at IMO. Good bargain if it suits your needs

Edited by silent ninja on Wednesday 9th March 22:07
Yep, totally different car, not in same league as 4 series but it's for the wife, mega cheap (includes upfront payment, road tax etc) so is a total bargain

And paves the way for me to get a nice coupe . Peachy

northernmonkey

80 posts

246 months

Thursday 10th March 2016
quotequote all
bought a 4GC last week. nice car off the BMW AUC site, less than 50 miles on the clock, appx 12K saving off list and a decent part ex. financed through non-bmw lease purchase agreement.

like many did the usual coast2coast quotes and there are some great deals and discounts to be had out there and the dealers will honour those broker prices. i put in a slightly over the top 340i m-sport saloon quote and got quoted 11K off list on a 4.9% BMW deal.

my only advice would be look at the package carefully. don't get suckered into the monthly payments too hastily. BMW basically want you to buy new vs used we all know that. hence when you look at low mile cars on the AUC site it often seems "better" to buy new and sometimes that is case depending on your situation. If like me you are putting in a deposit of say £10K and your goal is to move the car on after say 2-3 years and come out of it with as much of your initial deposit as possible to put towards the next car then check the deal BMW dealer offers carefully.

the deals I was offered had what i considered to be very optimistic GFV's. To the point that although the monthly looked very good but if you want to get out of the car early (say after 2 years) or even ran to the end of the agreement the jacked up GFV meant I was giving away a LOT of my deposit and transferrable equity.

So in the end I still bought the car BUT i shopped around for independent lease purchase agreements, found a 4.9% deal that offer more flexible options for "exit" and more chance of a large slice of positive equity at the end. done this for last 4 cars and its always worked out ok.

not saying do not use BMW finance BUT just check the figures, relate to your deposit, think about options you want for the "exit strategy" when you get bored of the car / time to change and be honest with yourself about your buying habits. Good deals out there though.

qwerty88

Original Poster:

277 posts

179 months

Thursday 10th March 2016
quotequote all
Is this a good deal?

PCP - 2 Years (with independent lease company)
430d Gran Coupe M Sport
Options: Sun Protection Glass + Electric Sunroof
Deposit: £5,000.00
Monthly: £419.98
20,000 miles per year
GFV: £20,234.00
APR 8.34%
New - retail value £42,065

I should add, at the end of the 2 years I plan to hand it back in and take out another vehicle with them, if there is positive equity. If there is negative equity, I will simply hand it back, doubt I'll have £20k lying around!!

Edited by qwerty88 on Thursday 10th March 12:41

Dave350

359 posts

120 months

Thursday 10th March 2016
quotequote all
qwerty88 said:
Is this a good deal?

PCP - 2 Years (with independent lease company)
430d Gran Coupe M Sport
Options: Sun Protection Glass + Electric Sunroof
Deposit: £5,000.00
Monthly: £419.98
20,000 miles per year
GFV: £20,234.00
APR 8.34%
New - retail value £42,065

I should add, at the end of the 2 years I plan to hand it back in and take out another vehicle with them, if there is positive equity. If there is negative equity, I will simply hand it back, doubt I'll have £20k lying around!!

Edited by qwerty88 on Thursday 10th March 12:41
Hmm. Assuming that's 23 x £420 + £5k = £14.7k for 2 years.

Comparing that to the deal I posted which was for a 440i with a fair few of the packages (Msport Plus, Comfort, Parking + Folding Mirrors)

Mine worked out at 35 x £330 + £10k = £21.6k (Equiv to £14.4k for 2 years, granted the 3rd years is in a 2 year old car however).

Fairly similar, although the list of the 440i with options was £47.5k

qwerty88

Original Poster:

277 posts

179 months

Thursday 10th March 2016
quotequote all
Dave350 said:
Hmm. Assuming that's 23 x £420 + £5k = £14.7k for 2 years.

Comparing that to the deal I posted which was for a 440i with a fair few of the packages (Msport Plus, Comfort, Parking + Folding Mirrors)

Mine worked out at 35 x £330 + £10k = £21.6k (Equiv to £14.4k for 2 years, granted the 3rd years is in a 2 year old car however).

Fairly similar, although the list of the 440i with options was £47.5k
It is 23 X £420.00.

Mind sharing who is the independent lease purchase agreement provided by that you have gone with?