120d 430d - Will It Make Me Poor?
Discussion
Hi All,
After much deliberation I've decided to replace my F20 120d as it's just hit 70k. I have seen a few 2014 plate 430d's with circa 25k miles for around £23k which are looking like possible options.
The burning question is how much of a step up in running costs should I expect? What factors do I need to think about? My annual mileage is around 20k. Tax and insurance will be about an extra £400 - £500 pa which is definitely significant plus monthly repayments will be about £70-90 pm more than the F20. MPG on paper doesn't look too bad but some other threads on here indicate otherwise!
Also, based on me taking the mileage up to 80k-ish what do you think it will be worth in 3 years?
Having written all of the above down I'm now wondering whether getting a slightly newer 420d might be better option....but I really want that extra power! haha.
Cheers
Andy
After much deliberation I've decided to replace my F20 120d as it's just hit 70k. I have seen a few 2014 plate 430d's with circa 25k miles for around £23k which are looking like possible options.
The burning question is how much of a step up in running costs should I expect? What factors do I need to think about? My annual mileage is around 20k. Tax and insurance will be about an extra £400 - £500 pa which is definitely significant plus monthly repayments will be about £70-90 pm more than the F20. MPG on paper doesn't look too bad but some other threads on here indicate otherwise!
Also, based on me taking the mileage up to 80k-ish what do you think it will be worth in 3 years?
Having written all of the above down I'm now wondering whether getting a slightly newer 420d might be better option....but I really want that extra power! haha.
Cheers
Andy
johnwilliams77 said:
How much extra can you afford?
I'm not really working to a budget, it's more about what I think is reasonable to pay in my position. Outside the factors in my original post which I'm ok with I'm thinking maybe an extra 20% on fuel / servicing but I'm pretty much guessing.By comparison, a 420d will be relatively neutral aside from repayments.
AndyDefault said:
So another thing to mention is that any unexpected bills aren't going to cripple me, but I am saving for a house hence my nervousness about this kind of commitment.
Do you want the house sooner or later?£100+ a month less to save
Do you want the larger payments on your affordability questionnaire for the mortgage?
£70-90 a month less on your monthly committed outgoings.
AndyDefault said:
I'm not really working to a budget, it's more about what I think is reasonable to pay in my position. Outside the factors in my original post which I'm ok with I'm thinking maybe an extra 20% on fuel / servicing but I'm pretty much guessing.
By comparison, a 420d will be relatively neutral aside from repayments.
Understanding what you can afford is rather critical!!!!By comparison, a 420d will be relatively neutral aside from repayments.
AndyDefault said:
Hi All,
After much deliberation I've decided to replace my F20 120d as it's just hit 70k. I have seen a few 2014 plate 430d's with circa 25k miles for around £23k which are looking like possible options.
The burning question is how much of a step up in running costs should I expect? What factors do I need to think about? My annual mileage is around 20k. Tax and insurance will be about an extra £400 - £500 pa which is definitely significant plus monthly repayments will be about £70-90 pm more than the F20. MPG on paper doesn't look too bad but some other threads on here indicate otherwise!
Also, based on me taking the mileage up to 80k-ish what do you think it will be worth in 3 years?
Having written all of the above down I'm now wondering whether getting a slightly newer 420d might be better option....but I really want that extra power! haha.
Cheers
Andy
I'd say drive both and make sure that the extra power of the 430 gives you the buzz over the 420. The 4 Series I drove, I found too big, too lacking in feel to be an exciting drive so I'm not sure I'd be bothered with the extra power unless I had a demanding drive. After much deliberation I've decided to replace my F20 120d as it's just hit 70k. I have seen a few 2014 plate 430d's with circa 25k miles for around £23k which are looking like possible options.
The burning question is how much of a step up in running costs should I expect? What factors do I need to think about? My annual mileage is around 20k. Tax and insurance will be about an extra £400 - £500 pa which is definitely significant plus monthly repayments will be about £70-90 pm more than the F20. MPG on paper doesn't look too bad but some other threads on here indicate otherwise!
Also, based on me taking the mileage up to 80k-ish what do you think it will be worth in 3 years?
Having written all of the above down I'm now wondering whether getting a slightly newer 420d might be better option....but I really want that extra power! haha.
Cheers
Andy
Also, if you've had a 1'er and happy with the coupe, does the 2 Series offer you more power, with better fuel economy @ a cheaper price. There's a 225 D for example.
talksthetorque said:
Do you want the house sooner or later?
£100+ a month less to save
Do you want the larger payments on your affordability questionnaire for the mortgage?
£70-90 a month less on your monthly committed outgoings.
I'm currently saving about a grand pm so £100 pm is only going to set me back a month or so in terms of buying so no. No real concerns about affordability questionnaires etc. £100+ a month less to save
Do you want the larger payments on your affordability questionnaire for the mortgage?
£70-90 a month less on your monthly committed outgoings.
My fear is that the projected costs may turn out to be far more that predicted and £100 becomes £200+. Buying a 3L is a serious step up in my eyes so I'm trying to be as diligent as possible .
Smuler said:
I'd say drive both and make sure that the extra power of the 430 gives you the buzz over the 420. The 4 Series I drove, I found too big, too lacking in feel to be an exciting drive so I'm not sure I'd be bothered with the extra power unless I had a demanding drive.
Also, if you've had a 1'er and happy with the coupe, does the 2 Series offer you more power, with better fuel economy @ a cheaper price. There's a 225 D for example.
I'm test driving a 430 on Sunday so hopefully this should give me a better picture. I did look at a 225d last year but part of the reason for me wanting the 4 is increase in cabin space. My 1er isn't a great place to be on a 200 + mile journey so the 2 would be a sideways move in that respect. Also, if you've had a 1'er and happy with the coupe, does the 2 Series offer you more power, with better fuel economy @ a cheaper price. There's a 225 D for example.
I guess a 425d would be the sweet spot but decent M Sports in my price range are very rare.
GTEYE said:
I'd agree with that. Invest in the appreciating asset first, in the long run it will pay you dividends.
Interesting perspective and something I totally agree with. I think this is why I'm keen not to go gung-ho on something that's going to cost me a lot more than expected.I have a 430d and would not even consider a 2.0d BMW or Mercedes engine again. They rattle like hell !
Consumption is around 42mpg but that is a predominance of motorway driving and is probably not typical.
I don't find it expensive to run at all but I am an old git so insurance is not really significant.
Consumption is around 42mpg but that is a predominance of motorway driving and is probably not typical.
I don't find it expensive to run at all but I am an old git so insurance is not really significant.
jjr1 said:
I have a 430d and would not even consider a 2.0d BMW or Mercedes engine again. They rattle like hell !
Consumption is around 42mpg but that is a predominance of motorway driving and is probably not typical.
I don't find it expensive to run at all but I am an old git so insurance is not really significant.
Same as what he said, my mother has a 2015 lci 2015 120d and it really is silly in comparison, not just the engine but the space and ride! While I get a lot less mpg as I have a heavy foot and do hardly any motorway miles, it really is worth the extra money for the engine you're getting! Consumption is around 42mpg but that is a predominance of motorway driving and is probably not typical.
I don't find it expensive to run at all but I am an old git so insurance is not really significant.
As for costs, should be the same, m sport 120d has 225 section front tyres and 245 section rear tyres, the 4 series has the same fronts and 255 on the back so tyres should cost around the same.
Engine/reliability wise, couldn't answer that but if you push your budget up abit, you could get one from bmw with a year left on the warranty and extend it when it runs out for piece of mind. Plus there is a facelift coming out so the current ones should drop in price (including mine but I'm so happy with it I don't care).
I had a 120d, tested a 420d and 520d.
The 420d didn't feel different enough to a 120d to make it worthwhile. Admittedly, the x30d engine makes a difference, but they're still very much the same base platform - both are built down to a price. The 4 series didn't feel different or special enough to me.
I ordered the 5 in the end.
The 420d didn't feel different enough to a 120d to make it worthwhile. Admittedly, the x30d engine makes a difference, but they're still very much the same base platform - both are built down to a price. The 4 series didn't feel different or special enough to me.
I ordered the 5 in the end.
I just thought I would update this thread as I've listened to the more sensible advice given and bought a 420d. Bags of kit and only £40 quid more than my existing finance so not really having any serious impact on my savings. Once house bought.. 430/35 time.
Thanks for everyone's input.
Thanks for everyone's input.
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