Car Finance

We are experts in funding Prestige cars. Our careers have been built in this industry for decades. This means we have very good relationships across the country with well established dealers.

We will offer competitive rates and packages to suit all types of modern and classic cars. Realistic deposits, balloon payments if you wish, no matter the age, and sensible terms. We will make sure you fully understand the different products available in the market. We work with over thirty different lenders who offer a choice of funding solutions for you and your car.

We have a first class knowledge of the car market. We work with over thirty who lenders trust us to carry out asset inspections which in itself tells you something. We are enthusiasts too, we understand the need to own something special. We will act as a perfect mediator between you and the lender. We handle high value and complicated transactions, we know how to present them correctly to ensure a fast response from the lenders. We speak their language.

It doesn’t matter who you are buying from, the chances are we may know them.

Most importantly we are a small business with a desire to be here just for you.

Marine Mortgage

Not only do we love cars but we love boats too. John McGurk has held his European Licence for thirty years. He understands the Boat market very well and is familiar with many of the Boat dealers in the UK and the Mediterranean. This means we can translate to the Finance Companies we deal with all the important criteria when it comes to a Marine Mortgage. With a used boat there is an awful lot to understand. Inspections are crucial and finance companies have to feel comfortable. John also has strong relationships with some Manufacturers.

Motorsport

We understand Motorsport better than most Finance Companies. Why? Because we race. Motorsport is something you just can’t let go of but it’s an expensive Sport. We can help you to finance your dream race car. This leaves the financial space you will need for running the car and a team to help you get across the finish line. Talk to us.

Lease Purchase

Also known as Hire Purchase with a Balloon, Lease Purchase is an ideal way to fund your vehicle purchase if you want the benefit of lower monthly payments compared to a standard Hire Purchase deal.

To reduce your monthly instalments, a deferred final payment, or balloon, is offset to the end of the agreement and is your responsibility. This allows you to pay a lump sum to purchase the car in full if you choose to do so.

The amount of the deposit is flexible, typically with a minimum deposit requirement of 10% of the car's price. The deferred balloon is calculated on the estimated future value of the car.

BENEFITS

• Low Deposit
• Ownership of the vehicle at term end
• Set monthly payments

Hire Purchase

Hire Purchase offers a straightforward way of spreading the cost of your purchase. It provides fixed monthly repayments and a fixed interest rate, making budgeting easier.

You decide the amount of deposit you would like to put down, typically a minimum of 10% of the car's price. The remaining balance, together with the interest is repaid over an agreed period, usually between 1-5 years.

BENEFITS

• Flexible deposit
• Set monthly payments
• Ownership of the car at the end of the agreement
• Control over deposit amount, length of term and final payment amount

Personal Contract Purchase

Personal Contract Purchase, also known as PCP, is an increasingly popular way to fund the purchase of a prestige car. Best described as the equivalent of a long-term rental, allowing you to use the car until the contract ends before deciding whether to keep it or change it.

BENEFITS

• Flexibility
• Guaranteed Minimum Future Value
• Set Monthly Payments
• Change Cars
• Low Deposit

Equity Release

Equity release, also known as Capital Release, is designed for owners of high-value vehicles looking to raise liquidity cash for other ventures. You may be able to release equity from your car or collection while retaining their use.

Whether you're looking for additional funds to support a property investment or business venture, we can structure a finance package that allows you to release funds from your car or collection while continuing to enjoy your vehicles.

As car finance is a secured loan, many of our customers prefer to release equity in this way as an alternative to taking an unsecured personal loan or tying up other assets, protecting their personal liability which is generally viewed more favourably by future lenders.

BENEFITS

• Leverage your assets, while retaining ownership of your vehicle
• Fixed monthly payments
• Release equity from a current vehicle or collection for other ventures
• Retain ownership and use of your vehicle/s
• Secured lending protects personal liability

Refinance

Refinancing your car with us is the hassle-free way of possibly restructuring your funding, whether this be to restructure one facility or to consolidate multiple.

You may be looking to reduce your monthly outgoings but that doesn't mean you have to sell your car, restructuring your car finance could be an option.

Similarly, you might wish to extend or reduce the term of your agreement – either to keep your car longer or to accelerate your path to ownership.

If you have a balloon at the end of your current agreement but want to keep your car, you don't necessarily have to pay it off in full. Again, refinancing your balloon amount could be worth considering.

BENEFITS

• Reduce or combine your current monthly payments
• Refinance the balloon payment to assist with cashflow