This is only my 2nd comment. You always talk straight forward and clear reasoning. Don’t understand why more people don’t subscribe, hope you keep doing your videos, l wash every one.keep going.
Excellent content with simple explanations. Change my car every 3 to 5 years and always went with a personal loan. Last time went for a PCP deal which after watching your channel should probably have looked at leasing. Lesson learnt. Keep up the great videos.....
I am in the trade and personally see a crash coming, when electricity triples, jobs disappear, new non fixed mortgages going up, what will you pay for in Jan ... your mortgage and utilities or the car, if so the financed vehicle will go to the repo man. not a good time to be saddled up with extra debt unless you are in a strong situation.
Ohh wow! Thanks for your amazing break down. It's by far the best car leasing car video I've seen. Hence why I I'm now a new subscriber. Keep the good work up!
Thank God we have people like you out there taking the time to share your expertise & help some of us clueless ( speaking for myself ) folk out when it comes to car buying, that was a very clear & has changed my mind now on fleecing, soz Leasing !! 👍
I encourage everyone to do the same comparison on the car they are looking at . Check the small print especially for admin costs these can vary significantly. Great demonstration of how to do a proper comparison.
There several car dealers currently offering interest free PCP on new cars with a 30% deposit. So that would be a interesting comparison against a lease, but of course that would be one hefty deposit and ballon payment. So many options these days, but great you share your thoughts and highlights 👍
Really useful as always. Just had a service on my 65 plate car and the huge cost of repairs is making me think seriously about leasing a new car. Keep up the good work.👍
That's interesting, l own a Mercedes and I've just calculated the service , the cost of the repairs to get it through the MOT which to be honest was silly money. I was always worried about the next repair bill coming in over 2.5 thousand as l noticed a faulty auto gearbox. I think l am looking to lease a car due to the initial purchase price and possibly repair bills when the car comes out of warranty. Think whichever way you go it's a money pit that you will never get back . I'm just wishing l never spent all that money over the years on cars l could be more comfortable without all the financial worries l have now . It was the option of spending thousands on a car or giving it away to the wife, thinking spending it on a car was the best option in the end , think she has enough handbags and shoes , hope she doesn't read this otherwise it's the dog house again .😮
Always interesting. In the middle of my first lease - influenced by your videos. Was having some doubts about the value of leasing due to the current state of the market. This video reassured me that I’ve made the right choice.
Great response and people always forget when buying car (used or new) even if you keep it 10years, what happens when you do sell it? You would have had to save up the money to buy the next car and its likely in 10 years you will have to have saved up even more due to inflation (to buy a equivlent car)! Adding that into the equation and leasing isn't much more expensive and in some cases is on par with a used car. This is coming from a guy whose owned the same car the last 12 years and looking at a new car
Great video that has explained leasing in 6 mins. After seeing the figures in black and white on the spreadsheet. I’m convinced that lease deal better off. Now keeping my eye out for your monthly videos on the best deals. As changing cars soon.
Thank you 🙏 leasing won’t be the answer 100% of the time but it’s misunderstood by many and is often a great alternative - especially if you’re after a great deal rather than a very specific car.
Nice update video. Yes I’m definitely changing my view on Leasing instead of PCP and you have given us the tools to quickly understand the differences. At least people can get out of a PCP easier cheaper than a lease contract as i think many may soon be ditching their expensive cars to pay the mortgage!
I’m not trying to change anyone’s mind, just hope to get more people thinking rather than purely listening to commission lead salespeople who have targets to hit. It’s not always cheaper to exit a PCP, especially if you don’t want to jump straight into another with the same company. Leasing is not perfect either.
Thanks for another great vid Jim, clear, informative and gimmick free. I just thought of an idea for another numbers video, cost comparison owning a car Vs not owning a car (ie getting by on public transport and hire cars)
Thanks very much. That’s a great idea that I have considered but probably very tricky as where I live would be a very different prospect to someone living in central London - both in terms of cost and it actually being viable.
Interesting. Was never a fan of leasing, but I get why you do it now. If you can business expense it and get the VAT back as well its a even better deal.
Super useful content as always. Currently in the situation of finding my next car. Looking at lease or used PCP at the moment. Concept I am getting my head around is leasing seems the cheapest option, but you still need to factor in the deposit for the next lease. Im adding that to my total cost as to me, it is part of the process. But still, leasing comes out slightly cheaper.
Cheers Jason, thanks for watching and commenting mate. Yes, I see what you mean, it's a factor in PCP too really when you think about it and don;t just listen to the car salesman. You could always put £30 per month away to cover your next deposit if you were so inclined.
It’s not so different for an LTD, just that you can claim 100% against your taxable income(CT) in year one if it’s a new car or 18% for 5.5 years if it’s used. You will then likely have to pay company car tax however. Speak to your accountant!
Very interesting Jim for me with so many changes like EV seems lease is way to go especially as I'm 56 now and I can enjoy (and afford) having a different new car every few years and can't put a price on that 😉👍
Yep lease seems sensible by those numbers, I previously leased a vehicle and kept the vehicle for 3 years at the end of the lease the company picking it up spent over an hour trying to find any defects an could not find any and they were very annoyed. Lucky I keep my cars in good condition, but I was told at the start of the lease they wouldn't be too picky checking the car at the end of the term.
What?? That’s crazy, the last one we had was about 15 min inspection, he found quite a few little bits on it including some damage to a sill and number that we knew about but VW fixed it cheaper than I could, £250 all in versus £440 I was quoted locally 😂
Cheers for the info..... I m looking to buy a new or year old SUV type car within the next 4 months, your vid helps with the calculations depending on which finance package I opt for👍
What about extending the same example to 6 years where one keeps the same car they purchased and find another lease deal on the same price? The lease cost would be £21,288 (10,644 x 2) but what about the purchased car (HP) which is paid off and would still be worth something after 6 years? Wondering if 3 years maintenance costs of purchased car would be more or less than the costs of another 3 year lease?
I do appreciate your clear information around the ever difficult to navigate PCP -v- HP - v - Lease. I’ve been trying to convince my other half, who likes to own everything to agree to leasing our next car. Using the calculator and spreadsheet as per your video I feel it will help us both. As I love cars so buy with heart and not head. Other half no interest in cars just the cost. Thanks again, great channel!
Hey dude, thanks for this video, very helpful - some advice, try using a digital pointer or cursor or something to indicate on screen what you're talking about when talking about it. I got lost momentarily a few times on your summaries. Just constructive criticism to ensure you keep growing your page and keep making more useful videos like these! Thanks pal
Hey just found you the other lady and very useful so far. I'm wondering if things are becoming less favorable for leasing. I went to the lease Co you interviewed and priced up a volvo xc40 and phew for a 42k car it was expensive. I'm erring on a phev on a business lease at the min and I dont want to own a car as you rightly say every time I've done that I've been stung. Except for a 2010 rav4 that I bought for19k 10 years ago which isn't worth much now but has been an excellent low cost soldier
My catch phrase is shop for the deal and not the car - in other words look for the best DEAL rather than a specific car and keep an open mind, you can often get a more expensive car for less. I’ve seen a Q5 for less than a Q3 before!
Always buy my cars outright. Had last BMW 6 years and no faults whatsover. Service them oil change them annually and never been bitten by any of them. Each and everyone to their own. Good video Jim showing the costs. However i don't recommend any one buying a Nissan Qashqai.
Great video, one addition for future videos might be what happens in the next 3 yrs. For your lease and pcp options, those models just repeat. But obviously, with HP if you’re paid up after 3 yrs you only have running costs for the next 3. I feel like the knock on saving of owning is missed in those near term projections. Just to caveat, I’m watching these videos bc I’m disastrously inexperienced at buying cars. So there may be further factors to consider in this point. Thanks for a great vid.
From the video analysis, it seems leasing is the better bet...as youre giving less per month, dont have to worry about tax and repairs, and the possible final payment coupled with the monthly payments works out better value. Anyone else thinking this?
Thank you for this video, it help me to understand a little bit how system work in UK. Still feeling overwhelmed with it though. I am about to go with buying my first car, right now more likely is trying to get a little bit knowledge because I totally green in this area. I am not earning a lot and paying everything in cash would be quite a challenge for me. What you would be suggesting to consider? hp? lease or try a personal loan? According to video lease seems to be most attarctive financially.
it seems to be a bit different to buy a motorbike , if low use [ a toy ] there is not enough milage done to qualify for pcp . hp works out about 1000 pound cheaper on a 14000 bike because you have paid larger amounts as you go , varies on deposit and rates of course ,
Note that when offered to purchase the vehicle at the end of the lease (PCH) from the leasing company, you will be more likely to be offered the 'current market value' of the vehicle and not the equivalent of a 'baloon' payment figure if you went via PCP; which in itself defeats the purpose of purchasing the vehicle at the end of the PCH contract. Keep PCH for hire only, use PCP for purchase only. Correct me if i am wrong. thanks
Hi, I know leasing is much more popular in the US than in the UK but have no idea how it compares to other forms of car finance there. Thanks for watching 👍
Great video as usual Jim 👍👍👌👌... I don't know if I'm more shocked at why people use PCP or hp over lease or to hear that you're not a financial advisor 🤣🤣🤣🤣
I am just thinking of leasing a new car.I have only had one new car before and vowed I would never buy one again, but leasing seems to be the best optionat this time asI don't want to spend a large amount at one time.
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Its battered my head trying to get it round the best and worse ways to purchase a car , I do keep coming back to your channel , very good info .
Glad to help
This is only my 2nd comment. You always talk straight forward and clear reasoning. Don’t understand why more people don’t subscribe, hope you keep doing your videos, l wash every one.keep going.
Thanks Brian, keep the comments coming 👍
Excellent content with simple explanations. Change my car every 3 to 5 years and always went with a personal loan. Last time went for a PCP deal which after watching your channel should probably have looked at leasing. Lesson learnt.
Keep up the great videos.....
Thanks 👍
Just been looking at buying a second hand car, about 24 months old, really think about leasing now. Thank you.
👍👍
I am in the trade and personally see a crash coming, when electricity triples, jobs disappear, new non fixed mortgages going up, what will you pay for in Jan ... your mortgage and utilities or the car, if so the financed vehicle will go to the repo man. not a good time to be saddled up with extra debt unless you are in a strong situation.
Which is why I always say each to their own. Nobody understand your circumstances better than you eh.
Ohh wow! Thanks for your amazing break down. It's by far the best car leasing car video I've seen. Hence why I I'm now a new subscriber.
Keep the good work up!
Awesome, thank you!
Another great video. Love your no BS approach to the dark arts of car buying.
Thanks Des 👍👍
Thank God we have people like you out there taking the time to share your expertise & help some of us clueless ( speaking for myself ) folk out when it comes to car buying, that was a very clear & has changed my mind now on fleecing, soz Leasing !! 👍
That's great to read on a day filled with trolls in the comments - thank you!
I encourage everyone to do the same comparison on the car they are looking at . Check the small print especially for admin costs these can vary significantly.
Great demonstration of how to do a proper comparison.
Definitely, understanding the small print is key on any kind of financial agreement.
There several car dealers currently offering interest free PCP on new cars with a 30% deposit. So that would be a interesting comparison against a lease, but of course that would be one hefty deposit and ballon payment. So many options these days, but great you share your thoughts and highlights 👍
Yes, the payment setup is usually so very different that it doesn’t make too much sense to compare.
Really useful as always. Just had a service on my 65 plate car and the huge cost of repairs is making me think seriously about leasing a new car. Keep up the good work.👍
Thanks Iain, sorry to hear about the bill!
That's interesting, l own a Mercedes and I've just calculated the service , the cost of the repairs to get it through the MOT which to be honest was silly money.
I was always worried about the next repair bill coming in over 2.5 thousand as l noticed a faulty auto gearbox.
I think l am looking to lease a car due to the initial purchase price and possibly repair bills when the car comes out of warranty.
Think whichever way you go it's a money pit that you will never get back .
I'm just wishing l never spent all that money over the years on cars l could be more comfortable without all the financial worries l have now .
It was the option of spending thousands on a car or giving it away to the wife, thinking spending it on a car was the best option in the end , think she has enough handbags and shoes , hope she doesn't read this otherwise it's the dog house again .😮
Always interesting. In the middle of my first lease - influenced by your videos. Was having some doubts about the value of leasing due to the current state of the market. This video reassured me that I’ve made the right choice.
👍
Great response and people always forget when buying car (used or new) even if you keep it 10years, what happens when you do sell it? You would have had to save up the money to buy the next car and its likely in 10 years you will have to have saved up even more due to inflation (to buy a equivlent car)! Adding that into the equation and leasing isn't much more expensive and in some cases is on par with a used car. This is coming from a guy whose owned the same car the last 12 years and looking at a new car
That’s it, it’s just a different way of thinking 👍
Great advice thanks for all your videos always enjoy watching them.
Thanks David 👍
HI, thanks for the videos you make about used car purchase options and history check. Most helpful for one being new on the market.
Thank you!
Just been considering leasing for the first time and you’ve convinced me to go ahead and do it. Thanks a lot!
👍
Great video that has explained leasing in 6 mins. After seeing the figures in black and white on the spreadsheet. I’m convinced that lease deal better off. Now keeping my eye out for your monthly videos on the best deals. As changing cars soon.
Thank you 🙏 leasing won’t be the answer 100% of the time but it’s misunderstood by many and is often a great alternative - especially if you’re after a great deal rather than a very specific car.
Cheers for this! Finally my little brain is starting to grasp the difference between PCP and HP 👍
Happy to help!
I wonder how many people are financing cars this way, with payments equal to or even exceeding their mortgage. Crazy.
New registrations of new cars was up 26% last month compared to October 2021z
Very helpful. Puts leasing in a different light.
Great to hear!
Currently on my fourth lease car. Love being able to drive a new car every two years that I wouldn't otherwise be able to afford.
👍👍👍
What site do you use for yours?
Hello. Another great post. Thanks Jim. Compare different razors next???
Haha!
Great video Jim, everything explained clearly and concisely. Thanks
Thank you Linda
Nice update video. Yes I’m definitely changing my view on Leasing instead of PCP and you have given us the tools to quickly understand the differences. At least people can get out of a PCP easier cheaper than a lease contract as i think many may soon be ditching their expensive cars to pay the mortgage!
I’m not trying to change anyone’s mind, just hope to get more people thinking rather than purely listening to commission lead salespeople who have targets to hit.
It’s not always cheaper to exit a PCP, especially if you don’t want to jump straight into another with the same company. Leasing is not perfect either.
You may not be a guru but you give great, impartial advice.
Thank you
Thank you. Explaining things unedstandably straight to the point.
Thanks George
Thank you.
Appreciate the unbiased information ☺️👍
My pleasure 😊
Great information - thanks very much.
Glad it was helpful!
Good video. I will choose HP because PCP is not for me. I will keep my cars quite a few years.
Fair enough 👍
Thanks for the comparison. Really enjoyed and appreciate it👍🏽
Thanks 🙏
Thanks for another great vid Jim, clear, informative and gimmick free. I just thought of an idea for another numbers video, cost comparison owning a car Vs not owning a car (ie getting by on public transport and hire cars)
Thanks very much. That’s a great idea that I have considered but probably very tricky as where I live would be a very different prospect to someone living in central London - both in terms of cost and it actually being viable.
Great content and non biased.
Thanks
Great explanation in laymans terms, well done.
Thanks Dave
Really handy comparison. Thanks
Glad it was helpful!
Excellent information . The martini Lewis of the car world 😊 keep up the good work
Cheers Erroll - Martini Lewis I guess is Martin Lewis with a dash of vermouth and an olive? 😂
Interesting.
Was never a fan of leasing, but I get why you do it now.
If you can business expense it and get the VAT back as well its a even better deal.
👍👍
Super useful content as always. Currently in the situation of finding my next car. Looking at lease or used PCP at the moment. Concept I am getting my head around is leasing seems the cheapest option, but you still need to factor in the deposit for the next lease. Im adding that to my total cost as to me, it is part of the process. But still, leasing comes out slightly cheaper.
Cheers Jason, thanks for watching and commenting mate. Yes, I see what you mean, it's a factor in PCP too really when you think about it and don;t just listen to the car salesman. You could always put £30 per month away to cover your next deposit if you were so inclined.
Thanks for this lovely video
Most welcome 😊
Clear practical advice very well communicated. Thank you. Would love for you to do the same for a limited company!
It’s not so different for an LTD, just that you can claim 100% against your taxable income(CT) in year one if it’s a new car or 18% for 5.5 years if it’s used. You will then likely have to pay company car tax however. Speak to your accountant!
Very, very useful comparison. Thank you!
Glad it was helpful!
Very interesting, serious food for thought. About to buy a car and am torn between HP and PCP. Thank you.
👍
Great comparison content, thanks
Thank you
Thank you so much. It helped a lot in understanding all these different options.
Glad it was helpful!
A well balanced review! Well done buddy
Thanks Gareth
Very interesting Jim for me with so many changes like EV seems lease is way to go especially as I'm 56 now and I can enjoy (and afford) having a different new car every few years and can't put a price on that 😉👍
Absolutely
Excellent summary and very helpful
Glad you think so! 👍
Nice and clear thank you so much. Great food for thought.
👍👍
Yep lease seems sensible by those numbers, I previously leased a vehicle and kept the vehicle for 3 years at the end of the lease the company picking it up spent over an hour trying to find any defects an could not find any and they were very annoyed. Lucky I keep my cars in good condition, but I was told at the start of the lease they wouldn't be too picky checking the car at the end of the term.
What?? That’s crazy, the last one we had was about 15 min inspection, he found quite a few little bits on it including some damage to a sill and number that we knew about but VW fixed it cheaper than I could, £250 all in versus £440 I was quoted locally 😂
Great info, just what I was looking for.
Glad it was helpful!
Very interesting set of figures,thanks for the info,it's given me food for thought in terms of leasing a vehicle
👍👍
GREAT HELP VERY EDUCATIONAL BUD!!
Thanks 🙏
Like your videos - keep them coming.
Thanks, will do!
Loved the video. Very useful. Thanks for doing it
Glad it was helpful!
Cheers for the info..... I m looking to buy a new or year old SUV type car within the next 4 months, your vid helps with the calculations depending on which finance package I opt for👍
Glad to help. Well worth shopping around for you finance. I couldn't believe the difference in APR rates I was seeing today.
Great video, thanks for the info as I was looking at used cars, now a new car lease looks a better option.
Glad it helped
Very precise, very quick, to the point, excellent.
Thanks
Useful video. Would be good to see this on electric cars and see if it carries across the same.
Leaseing new or buying 2/3 years old seems to work best on EVs right now, with very few exceptions.
great to know this stuff keep up the good work Jim
Thank you
What about extending the same example to 6 years where one keeps the same car they purchased and find another lease deal on the same price? The lease cost would be £21,288 (10,644 x 2) but what about the purchased car (HP) which is paid off and would still be worth something after 6 years? Wondering if 3 years maintenance costs of purchased car would be more or less than the costs of another 3 year lease?
👍
I do appreciate your clear information around the ever difficult to navigate PCP -v- HP - v - Lease. I’ve been trying to convince my other half, who likes to own everything to agree to leasing our next car. Using the calculator and spreadsheet as per your video I feel it will help us both. As I love cars so buy with heart and not head. Other half no interest in cars just the cost. Thanks again, great channel!
👍
Great review as a comparison has made me look again at leasing
👍
Great channel lots of good advice
Keep up the good work
Thanks, will do!
V interesting Jim, great channel you have
Thank you kindly John 👍
Hey dude, thanks for this video, very helpful - some advice, try using a digital pointer or cursor or something to indicate on screen what you're talking about when talking about it. I got lost momentarily a few times on your summaries. Just constructive criticism to ensure you keep growing your page and keep making more useful videos like these! Thanks pal
👌
Thank you, One day I hope to take your advice and use it to obtain a vehicle, could you give advice on Motorbility vehicles
I don’t have any experience with Motorbility
Great work
Thank you! Cheers!
Great Analogy 👍👍👍
Glad you think so!
Hey just found you the other lady and very useful so far. I'm wondering if things are becoming less favorable for leasing. I went to the lease Co you interviewed and priced up a volvo xc40 and phew for a 42k car it was expensive. I'm erring on a phev on a business lease at the min and I dont want to own a car as you rightly say every time I've done that I've been stung. Except for a 2010 rav4 that I bought for19k 10 years ago which isn't worth much now but has been an excellent low cost soldier
My catch phrase is shop for the deal and not the car - in other words look for the best DEAL rather than a specific car and keep an open mind, you can often get a more expensive car for less. I’ve seen a Q5 for less than a Q3 before!
Thank you ❤
👍👍
straight forward advice thank you
Thanks
Always buy my cars outright. Had last BMW 6 years and no faults whatsover. Service them oil change them annually and never been bitten by any of them. Each and everyone to their own. Good video Jim showing the costs. However i don't recommend any one buying a Nissan Qashqai.
It’s an example mate, nothing more. 👍👍👍
Never buy a car again. Leasing is the way to go great video again 👏🏻👏🏻👏🏻👏🏻
👍
Great video, one addition for future videos might be what happens in the next 3 yrs. For your lease and pcp options, those models just repeat. But obviously, with HP if you’re paid up after 3 yrs you only have running costs for the next 3. I feel like the knock on saving of owning is missed in those near term projections. Just to caveat, I’m watching these videos bc I’m disastrously inexperienced at buying cars. So there may be further factors to consider in this point. Thanks for a great vid.
👍 I think I’ve looked at that in some others
@@DefinitelyNotAGuru great, will check out.
Great video thanks for taking the time to make it 👏
Thanks very much
Food for thought, thanks
👍
From the video analysis, it seems leasing is the better bet...as youre giving less per month, dont have to worry about tax and repairs, and the possible final payment coupled with the monthly payments works out better value. Anyone else thinking this?
All deal dependent so follow the steps in this video and see for yourself.
Very good explanation many thanks
Thank you
Very informative video and well explained
Glad you liked it
great video explains options and your choices.
Thanks Gordon
Nice comparison, thank you for taking the time to do this 😁
My pleasure!
Cracking no nonsense video 👍
Thanks 🙏
Hello, Thank you.
Thanks Jon
Great info, clearly presented. Thanks.
Thanks Dave
Great video and very informative.
Thanks Jim 😊
Thanks Steve 👍
Great video Jim as always
Glad you enjoyed it
Thank you for this video, it help me to understand a little bit how system work in UK. Still feeling overwhelmed with it though.
I am about to go with buying my first car, right now more likely is trying to get a little bit knowledge because I totally green in this area.
I am not earning a lot and paying everything in cash would be quite a challenge for me.
What you would be suggesting to consider? hp? lease or try a personal loan? According to video lease seems to be most attarctive financially.
I’d probably need a chat to be honest mate. You can book a call via my website but I’m afraid it’s not free.
Good advice, cheers
No problem 👍
Thanks Mate, very helpful!
👍👍👍
Nobody tends to look at the apr on a pcp deal and the interest they are paying in a 15 k car at 9.9 apr over 48 months it’s over 4k
👍
it seems to be a bit different to buy a motorbike , if low use [ a toy ] there is not enough milage done to qualify for pcp . hp works out about 1000 pound cheaper on a 14000 bike because you have paid larger amounts as you go , varies on deposit and rates of course ,
👍
Helpful ! Hadn't considered leasing
👍👍
Note that when offered to purchase the vehicle at the end of the lease (PCH) from the leasing company, you will be more likely to be offered the 'current market value' of the vehicle and not the equivalent of a 'baloon' payment figure if you went via PCP; which in itself defeats the purpose of purchasing the vehicle at the end of the PCH contract. Keep PCH for hire only, use PCP for purchase only. Correct me if i am wrong. thanks
Pretty much, but I still don’t consider PCP to be a good way to purchase. HP or a Loan are usually more efficient.
Thanks
No problem
Hello.. interesting comparison.. I'm in the US.
Hi, I know leasing is much more popular in the US than in the UK but have no idea how it compares to other forms of car finance there. Thanks for watching 👍
HELLO….. Great information!
Hey, thanks!
Great video as usual Jim 👍👍👌👌... I don't know if I'm more shocked at why people use PCP or hp over lease or to hear that you're not a financial advisor 🤣🤣🤣🤣
😂
Great breakdown
Thanks 🙏
What is the best site to review personal leasing offers? TY (subscribed :)
Hi Mike, there’s a link to it in the description of pretty much all my videos 👍
I am just thinking of leasing a new car.I have only had one new car before and vowed I would never buy one again, but leasing seems to be the best optionat this time asI don't want to spend a large amount at one time.
It sometimes works out a lot more cost effective too