Need to try and find it, as can't remember lol. But yes that sold pretty quick and sold via M3cutters.
Something went wrong, ordered a Mustang, yet ended up in a British hotrod, I blame OcUK!
Need to try and find it, as can't remember lol. But yes that sold pretty quick and sold via M3cutters.
Thanks!
Was an awesome car that, the regular Carrera's on the 991 do zero for me, even the GTS, they just look dull and fit in too easily, maybe that is the idea. The 997.1 with aerokit just looked epic, basically GT3 looks, but half the money, they are bringing really strong money now simply due to how expensive 997 GT3's are.
Fortunately I am now in a position to follow my dream of a 991 GT3 or even something more exotic.
No problem mate.
Just had a re-read, a lesson in writing an advert and what a lovely machine it was - can’t believe it’s over 3years since you moved it on!
Very much looking forward to whatever replaces the SVR, a very tough act to follow.
Yeah indeed, the SVR is probably the best all round daily supercar available simply because of the traction but also how rear biased it is and all the mod cons and features. Stuff like remote start, heated front screen, heated wheel, rear biased AWD that oversteers on demand in supercar world is very rare. A Huracan does not even have cup holders for example so it will be a hard act to follow and if it turns out to be unbeatable can always return to one.
Well I am shocked!
Due to some issues with the finance regarding overpayments been miss-sold to me on the SVR, not gonna put names, but in short over payment options were some what limited, which may legally not be legal, but am not willing to go into finer details because the broker has offered me such an incredible deal on what I buy next its too hard to refuse. So in short on the SVR my only option to save the most interest was to settle in full, which a few months ago was not possible hence wanting to just over pay and reduce balloon by 20k, fortunately I am now just settling in full as have managed to save up enough to do so.
Simply put with such a large deposit (70k), which leaves spare cash in my bank, 67k balloon, 2yr term on a 150k car and my monthly will be under £400, which is incredible as I budgeted 1k per month. He has said he plans to further improve that, but thats under 5% APR, around 2.4% base rate, but he is looking to do better and this is a new lender who will allow me to make any kind of over payment I wish upto 8k per year with zero charge, so I can reduce final balloon, term or monthly payment, if I pay more than 8k per year there is an admin fee of £150, nothing drastic but way more flexible which is what I want. That is important to me as I will likely pay the car off in full and own it, rather than hand it back or re-finance it, just like I did with SVR, albeit with less options.
So test drives pending, getting into something 150k with a large deposit is very easy, shocked how easy and when it comes to the end of the term the same company is flexible, sell privately, pay them the balloon, sell back to dealer and they settle it, or re-finance the balloon, again they offer that too or just settle it. With over payments I feel I can reduce that balloon to 40k within two years anyway at which point a 25k bank loan and 15k savings would have it owned outright and a solid 110-140k for next purchase in the bank plus savings.
Am also getting the numbers run on a Performante as thats the dream car.
Of course I need to drive them, they did however say they won't do such a deal on a Mclaren, they said they simply cannot guarantee future values, they said on a Ferrari or Lamborghini NA car, they are very happy to guarantee future values especially if buying after March/April this year, new reg, brexit etc. and said buy aggressive and depreciation should be minimal, but to avoid Mclaren as they expect huge depreciation, which is kind of general feeling, still going to drive the 570S just in case it blows my mind.
But at this budget (150k), that is 991.2 GT3, 991.1 GT3 RS, Huracan, 458, I am kind of ruling out 458 due to age, but shall drive anyway just in case its phenomenal.
Wild card if numbers come back good is 200k and get a Performante, reckon I can get in one for 180-200k if I wait a month or two. Can't see them ever getting cheaper than and some reckon they will go north in a couple of years been last NA Lambo, but of course rumours of another last run crazy Huracan coming so a little uncertainty there, but the man maths potentially say yes, warranty until 2022 and probably little to no depreciation and a chance of profits. Guess its down to risk factor, Huracan 610-4 for 135-155k and guaranteed to lose 10-20k in depreciation or a Performante at 185-205k and maybe lose 20-30k or make 30-100k and longer warranty so less expense. Though I guess Lambo charge more to service a Performante even though its same as regular Huracan servicing wise.
Shall ask, GT3 drives better than Huracan, Huracan more an event, but Performante drives as well as GT3 I suspect.
He said with a large deposit it really opens up the world to what you can get into for a relatively small monthly payment and needless to say I am shocked, as was budgeting £800-£1200 monthly.
Early days need to drive them more on track and on road before making a decision and it will be driven daily, but the deal is 6000 miles, I tend to do 7000-8000 so I'd have to drive M3/Clio a little more or pay the fee or get the numbers re-done for 8k per year.
Due to some issues with the finance regarding overpayments been miss-sold to me on the SVR, not gonna put names, but in short over payment options were some what limited, which may legally not be legal, but am not willing to go into finer details because the broker has offered me such an incredible deal on what I buy next its too hard to refuse. So in short on the SVR my only option to save the most interest was to settle in full, which a few months ago was not possible hence wanting to just over pay and reduce balloon by 20k, fortunately I am now just settling in full as have managed to save up enough to do so.
Simply put with such a large deposit (70k), which leaves spare cash in my bank, 67k balloon, 2yr term on a 150k car and my monthly will be under £400, which is incredible as I budgeted 1k per month. He has said he plans to further improve that, but thats under 5% APR, around 2.4% base rate, but he is looking to do better and this is a new lender who will allow me to make any kind of over payment I wish upto 8k per year with zero charge, so I can reduce final balloon, term or monthly payment, if I pay more than 8k per year there is an admin fee of £150, nothing drastic but way more flexible which is what I want. That is important to me as I will likely pay the car off in full and own it, rather than hand it back or re-finance it, just like I did with SVR, albeit with less options.
So test drives pending, getting into something 150k with a large deposit is very easy, shocked how easy and when it comes to the end of the term the same company is flexible, sell privately, pay them the balloon, sell back to dealer and they settle it, or re-finance the balloon, again they offer that too or just settle it. With over payments I feel I can reduce that balloon to 40k within two years anyway at which point a 25k bank loan and 15k savings would have it owned outright and a solid 110-140k for next purchase in the bank plus savings.
Am also getting the numbers run on a Performante as thats the dream car.
Of course I need to drive them, they did however say they won't do such a deal on a Mclaren, they said they simply cannot guarantee future values, they said on a Ferrari or Lamborghini NA car, they are very happy to guarantee future values especially if buying after March/April this year, new reg, brexit etc. and said buy aggressive and depreciation should be minimal, but to avoid Mclaren as they expect huge depreciation, which is kind of general feeling, still going to drive the 570S just in case it blows my mind.
But at this budget (150k), that is 991.2 GT3, 991.1 GT3 RS, Huracan, 458, I am kind of ruling out 458 due to age, but shall drive anyway just in case its phenomenal.
Wild card if numbers come back good is 200k and get a Performante, reckon I can get in one for 180-200k if I wait a month or two. Can't see them ever getting cheaper than and some reckon they will go north in a couple of years been last NA Lambo, but of course rumours of another last run crazy Huracan coming so a little uncertainty there, but the man maths potentially say yes, warranty until 2022 and probably little to no depreciation and a chance of profits. Guess its down to risk factor, Huracan 610-4 for 135-155k and guaranteed to lose 10-20k in depreciation or a Performante at 185-205k and maybe lose 20-30k or make 30-100k and longer warranty so less expense. Though I guess Lambo charge more to service a Performante even though its same as regular Huracan servicing wise.
Shall ask, GT3 drives better than Huracan, Huracan more an event, but Performante drives as well as GT3 I suspect.
He said with a large deposit it really opens up the world to what you can get into for a relatively small monthly payment and needless to say I am shocked, as was budgeting £800-£1200 monthly.
Early days need to drive them more on track and on road before making a decision and it will be driven daily, but the deal is 6000 miles, I tend to do 7000-8000 so I'd have to drive M3/Clio a little more or pay the fee or get the numbers re-done for 8k per year.
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I am kind of thinking like this, going SVR instead of regular R was right decision.
Regular Huracan I really love:
https://www.pistonheads.com/classif...rghini-huracan-coupe-lp-610-4-2dr-ldf/9090984
https://www.pistonheads.com/classif...rghini-huracan-coupe-lp-610-4-2dr-ldf/9368625
Something like this is the dream:
https://www.pistonheads.com/classif...-huracan-lp-640-4-performante-2dr-ldf/9171885
https://www.pistonheads.com/classif...0-4-with-comfort-seats--deposit-taken/9358593
The green Huracan I've been offered at 142k, 5k off already, reckon could secure a deal for under 140k, brings final balloon down to 60k and more interest saved, car comes with 12 months warranty from Lamborghini and can be extended for around £3500 per year, annual service is £2300 discount is possible. Around £385 per month, 2yr value based on 25-30k miles as I will use daily at 110k worse, 130k best, so 10-20k depreciation, easy to soak up.
If I can get into a Performante at 200k, need to run numbers, but can put upto 100k in as deposit, so should be well within monthly budget, the questions is the 2-3yr value with 20-30k on the clock, maybe worse case 160k, best case maybe 300k if they rocket in value like some think they will. Advantage they are newer, better and manufacturer warranty until 2022-2023 so that is circa 7-10k saved in warranty costings, yep full on man maths. Servicing unknown, should be same as Huracan but I am sure Lamborghini charge more been the special edition.
Can't do a Mclaren, I simply cannot stomach to lose 30-50k which is highly likely due to amount of cars released, sold and poor after support and poor reliability, I reckon I could get into a 570S MSO now for around 110k at a push, but I feel in 2yr said car with 30k miles would be worth 70-80k as I just don't see them holding value, they seem to lose a grand or two on a weekly basis at moment.
Ferrari 458 safe buy value wise, but warranty does not cover many things and idea of dampers at £5000 per pair, clutch at £20,000 and other servicing/warranty cost its more of putting, affordable but off putting, plus its an older car.
GT3 is the wild card, can easily get into a 991.2 GT3 or even a 991.1 GT3 RS, you all know how I love these things and they drive better than all the above except maybe Performante, most reliable, cheapest to service/warranty and the best steer. Downsides just not got the special factor of a Mclaren let alone a Lambo!
Yep green and yellow are favourites, orange also, do prefer silver or gold wheels though, not so keen on black and also prefer chrome exhaust tips, I am just not keen on this fad of black exhaust and black wheels.
If I go normal Huracan ideally I want to hold out for a 610-4 without LDS and ideally passive dampers, but really need to try and avoid LDS (Lamborghini Dynamic Steering, OK on newer cars, not good on older ones). Also must have alarm, cameras etc.
Performante don't care, base spec is fine, as long as its got basics like alarm and cameras as LDS and Mag ride was perfected on Performante and they come with it standard I believe along with all the forged carbon goodies.
Oh and front lift crucial but I've not seen a Huracan without that!
Would maybe consider a 580-2 but in a daily feel 610-4 is a far better bet.
What about this colour? (Ignore the youtube clickbait)
Really don't like that I am afraid, British racing green by looks of it, of course its not ugly just not for me, its a Lambo needs be bright.
The only other colours I'd consider that are not bright green, orange or yellow would maybe be blue (rather not do blue, own two blue cars) or purple like this one at Amari:
https://www.amarisupercars.com/deta...640-4-performante-2dr-semi-automatic#Amari-TV
Still I am not set on a Performante yet, for a couple of reasons, first of all the numbers and second future values, if it lost 50k for example that would hurt so need to try and protect myself, I'd never be in negative equity because of deposit size but at same time I'd rather limit my depreciation to a maximum of 15k per year if possible and its a bit more of a gamble with Performante, but there is the gamble I could also make money too, higher risk but also chance of a profit.
I need to wait for final numbers:
But Performante at 200k:
70k down
25 month term at around £900 a month
Final payment 121k
or
90k down
25 month term at around £550 a month
105k final payment.
Rough numbers, easily achieved monthly, doubt I can raise 100k in two years though, so if car was worth say 150k, I'd hand car back, get 50k or there abouts, decide to keep car, re-finance 100k or if car happens to explode and worth 300k, either hand it back and be given around 150-200k for priviledge.
The Performante is all about future value really, do I want to take risk, whereas regular Huracan I can afford to cover the final balloon and own the car if I desire, whereas Performante would be a hand it back and either worse case get 50k back or best case 150-200k back.
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Is it something you can add later easily via maybe Lamborghini accessories?
Oracle just did me quite a competitive quote too using more traditional PCP but allowing for more than 40% deposit and not just interest balance payments as offered previous.
Though in the end the all seem to come to same result for final/overall/total cost.
Yep just don't want to lose a fortune, done well with SVR, less than 10k depreciation in just over a year all been well.
Probably similar on a Huracan in right spec, age and right price.
Performante is a big unknown, do I take that risk.........
Say what you like, you can't beat a Lamborghini. Am I allowed to come to OCUK for a test ride in it...
Of course.
Its not a set decision yet, I tend to buy cars for how they make me feel when I drive them, the Lambo will make me grin, laugh and smile the most I suspect, GT3 will impress me the most I suspect.
Just need to not rush, drive a few options, see where market heads and buy, the finances are certainly better than suspected.
Great
Annoying as he can be, his face says it all, EVO seems pretty damn epic, that sport mode with all that tail out seems fun, even the RWD one I drove was not doing that.
Maybe get regular Huracan, then upgrade to an EVO after they've depreciated as think they are 206k base brand new, 230k with right options, of course EVO might hammer Performante values......
Oracle so far are at 5.4% APR for me on regular PCP finance, so my monthly payment gets me equity in the car on top of my deposit, plus a lower end balloon.
DSG/Magnitude are under 5% APR for an interest only option, advantage of this is its only 2yr term, on 150k its between £300-£400 a month, but of course you build no equity from monthly payment, the balloon is car price less deposit, plus £100 admin fee. So example, pay 147k, 70k deposit, leaves 77k owing, pay £300-£400 monthly for two years (interest) and then final balloon is £77,100.
I am running all the numbers, both come to a similar total repayable amount, just interest only option is way more flexible with over payments and of course I could own a Huracan well part own but for £300 a month as I am pushing them harder for a lower rate, particular with the SVR mess up from a previous lender they used for me. If I can get the APR closer to 4-4.5% and put in around 75k and get the car purchase price down to 142k, the monthly payment would be £290 and final payment 67k, which I know I could get down to around 35-40k in two years from over payments at which point paying the final 40k is feasible for me to own outright.
Whatever I buy I shall outline how I did it, what it is costing etc.
As the because who say oh its easy it is finance, is not strictly true, you need a large amount of money to get in and to get a decent rate, end of the day if it was as easy as some make out then surely everyone would be driving supercars, of course I am budgeting £6000 per year as well in extended warranties and servicing cost, which compared to sub £500 for the SVR puts a Huracan in another league of running cost.
A 991.2 GT3 is the other contender, also 140-150k, but 2yr std warranty, around 1.5k to renew and under 1k to service, so of course the GT3 is cheaper to run.
But as both are a tough choice a major play is depreciation curve, you need to be able to swallow a big chunk of money in depreciation, worse case both these cars could lose 20k per year, that is unlikely but it is possible, so 140k now, could be worth 100k in 2yr.
For me I am thinking like this:
Early 610-4 Huracan (64/15 plate), try buy a sub 15k miles example for around 140k. Hope to sell it in 2yr for 120k with around 25k miles, 30k miles max. Then get into an Huracan EVO or Performante. As I suspect EVO in 2yr will be 150-180k or a Performante.
I think Lamborghini will release a Huracan EVO Performante or similar crazy version of the EVO as it just seems logical, at a guess I'd say they will run with the V10 NA for another 3-5yr before maybe having to switch to some form of TT or Hybrid setup to keep up with emission rules and noise rules etc.
The wild card is, will a Performante drop much more from 200k, yes maybe 180k in short term, but what is the 2-3yr outlook, the numbers are small and its limited, if it goes way of say Ferrari 458 Speciale or a 488 Pista, then it should be worth 300-400k in a few years as the Performante by all accounts is a better car and just as rare. The problem is both the EVO (as fast) and there will no doubt be a special edition of the EVO no doubt around 260-280k base price.
Its the gamble, risk a little more depreciation potential on a Performante but there is the gamble it could go up in value and I end up making 100k out of owning an epic car, that is the gamble.
An example from Lamborghini, there APR is not as good but they also offer interest only payments:
Andrew,
I recommend the LDS
Ignore the press its rubbish and not discussed anymore.
We can look at other finance options but these are the Lamborghini figures:
Vehicle Price - £154,000.00
Deposit - £70,000.00
18 Months - £486.65
GFV - £84,000.00
Vehicle Price - £154,000.00
Deposit - £70,000.00
36 Months - £540.93
GFV - £81,557.50
Do let me know if you would like to view and we can secure with a deposit subject to you selling the SVR within the month of February?
What I will say is they are super responsive and mega keen to sell or try to get me in a car, car in question is an orange 2 owner 7000 mile 610-4, the above gives you an idea of the costings of such a car if you have the deposit and are happy with interest only and then just handing car back. I complained about black wheels on the car to which there response was we will change them to silver wheels for you, so they are quite flexible with changing parts on a car to get a sale.
My finance guy informed me this is how many of the not so famous youtube guys get themselves in such exotic machinery, it was news to me as I was un-aware such payment plans even existed.
For myself however I shall probably go traditional PCP route where I pay £800-£1000 per month to get equity in the car and thus have a much smaller balloon at the end which I can afford to pay and keep the car.
If I go Performante I'd have to do interest only payments however and take the gamble of losing 30-50k or making upto around 100k.
Andrew,
I recommend the LDS
Ignore the press its rubbish and not discussed anymore.
We can look at other finance options but these are the Lamborghini figures:
Vehicle Price - £154,000.00
Deposit - £70,000.00
18 Months - £486.65
GFV - £84,000.00
Vehicle Price - £154,000.00
Deposit - £70,000.00
36 Months - £540.93
GFV - £81,557.50
Do let me know if you would like to view and we can secure with a deposit subject to you selling the SVR within the month of February?
What I will say is they are super responsive and mega keen to sell or try to get me in a car, car in question is an orange 2 owner 7000 mile 610-4, the above gives you an idea of the costings of such a car if you have the deposit and are happy with interest only and then just handing car back. I complained about black wheels on the car to which there response was we will change them to silver wheels for you, so they are quite flexible with changing parts on a car to get a sale.
My finance guy informed me this is how many of the not so famous youtube guys get themselves in such exotic machinery, it was news to me as I was un-aware such payment plans even existed.
For myself however I shall probably go traditional PCP route where I pay £800-£1000 per month to get equity in the car and thus have a much smaller balloon at the end which I can afford to pay and keep the car.
If I go Performante I'd have to do interest only payments however and take the gamble of losing 30-50k or making upto around 100k.
For those interested here are the quotes from Oracle, traditional PCP, over payments can only influence the monthly amount though, so I am guessing same provide as I have now and I got 5.4% APR on the SVR but Oracle have said once I am ready they will improve the deal:
2yr Term:
- Facility: Regulated lease purchase
- Cash price: £140,000
- Customer deposit: £70,000
- Balance to finance: £70,000
- Balance payable by 24 monthly payments @ £937.90
- Followed by balloon of £55,000
*Credit facility fee of £0, Option to Purchase Fee of £0.00, Total Charge for Credit £7,509.60, Total Amount Payable £147,509.60, Rate of interest 3.05%, Representative APR 5.9%
3yr Term:
- Facility: Regulated lease purchase
- Cash price: £140,000
- Customer deposit: £70,000
- Balance to finance: £70,000
- Balance payable by 24 monthly payments @ £980.50
- Followed by balloon of £45,000
*Credit facility fee of £0, Option to Purchase Fee of £0.00, Total Charge for Credit £10,298.00, Total Amount Payable £150,298.00, Rate of interest 3.05%, Representative APR 5.9%
4yr Term:
- Facility: Regulated lease purchase
- Cash price: £140,000
- Customer deposit: £70,000
- Balance to finance: £70,000
- Balance payable by 24 monthly payments @ £989.56
- Followed by balloon of £35,000
*Credit facility fee of £0, Option to Purchase Fee of £0.00, Total Charge for Credit £12,498.88, Total Amount Payable £152,498.88, Rate of interest 3.05%, Representative APR 5.9%
So you can see the costings using traditional PCP. When I come to make a purchase I shall probably increase my deposit to £80,000 and also push for under 5% APR and expect a maximum of 5.4% and probably go with a 2yr term to simply limit interest to around £5000 or less.
It is so important to get the finance deal right, so many people end up paying thousands upon thousands in interest even for more regular run of the mill 30-50k cars because all they look at is the monthly payment amount and not the total amount repayable.
2yr Term:
- Facility: Regulated lease purchase
- Cash price: £140,000
- Customer deposit: £70,000
- Balance to finance: £70,000
- Balance payable by 24 monthly payments @ £937.90
- Followed by balloon of £55,000
*Credit facility fee of £0, Option to Purchase Fee of £0.00, Total Charge for Credit £7,509.60, Total Amount Payable £147,509.60, Rate of interest 3.05%, Representative APR 5.9%
3yr Term:
- Facility: Regulated lease purchase
- Cash price: £140,000
- Customer deposit: £70,000
- Balance to finance: £70,000
- Balance payable by 24 monthly payments @ £980.50
- Followed by balloon of £45,000
*Credit facility fee of £0, Option to Purchase Fee of £0.00, Total Charge for Credit £10,298.00, Total Amount Payable £150,298.00, Rate of interest 3.05%, Representative APR 5.9%
4yr Term:
- Facility: Regulated lease purchase
- Cash price: £140,000
- Customer deposit: £70,000
- Balance to finance: £70,000
- Balance payable by 24 monthly payments @ £989.56
- Followed by balloon of £35,000
*Credit facility fee of £0, Option to Purchase Fee of £0.00, Total Charge for Credit £12,498.88, Total Amount Payable £152,498.88, Rate of interest 3.05%, Representative APR 5.9%
So you can see the costings using traditional PCP. When I come to make a purchase I shall probably increase my deposit to £80,000 and also push for under 5% APR and expect a maximum of 5.4% and probably go with a 2yr term to simply limit interest to around £5000 or less.
It is so important to get the finance deal right, so many people end up paying thousands upon thousands in interest even for more regular run of the mill 30-50k cars because all they look at is the monthly payment amount and not the total amount repayable.
Agreed, ideal for me would be a base Huracan 580-2 or 610-4 without mag ride and without LDS, lets say a more traditional, more hardcore Lamborghini, I can see a purist in the future looking for such example, though I've now spoken with a couple of owners of 610-4 with LDS and Mag ride and they have told me ignore the press, ignore the understeer comments, because the car is totally incredible to drive and this comes from some guys who have a GT3 RS alongside it, lucky people.
But I still need to drive Huracan on road, the GT3 on road is like driving any Porsche 911, feels like a normal car, great visibility, not too big so easy to drive as a daily anywhere. Huracan is no wider than SVR so should be fine, but need to see how visibility feels, on track it felt fine.
Yes I'd do 2yr term, put in 80k instead and push for 5% APR, that should bring me down to around £700 per month and around 5-6k total interest paid which I'd be happy with to be owning a 100k plus Lamborghini at the end of the term.
Dealer offered 67k, I expect a min of 70k gonna advertise 77k as I am in no rush.
Like I say I am researching heavily, should the right car come or a deal I can't refuse, then I can just let the Jaaag go for 67k, but I'd rather wait until Spring as the SVR is a far better Winter car than any of these options I am looking at, heated screen, heated wheel, remote start, AWD its truly unbeatable car in that respect.
It could be related to deposit size, both companies said larger deposit guarantees the better rate, but saying that I put like 40k into the SVR and got 5.4% APR. So you can certainly get better, ring around, DSG, Magnitude, Oracle, Paragon are all good finance suppliers.
They like to see a good deposit and a good basic income, if you can do both of those you should be under 6% APR all day long!
My credit score moves between 970-999 on those score things as I've got good history, any PCP or previous loans I've always settled early, I've got 41k on credit cards all with zero balance and I own my property with no mortgage, it all helps, but generally on these expensive cars its secured against the car, so that kind of stuff is less relevant, more down to deposit and salary.
Yes Oracle offered me this option which was same rate as you got which was slightly higher than the other options.
The advantage of Aldermore is they allow any kind of over payment so reduce term, reduce monthly payment or reduce balloon with no fee.
The slightly lower rate only allows you to reduce monthly payment so you save less interest.