They are also 30k plus miles, cheapest one at moment is 127k with 41,000 miles, car itself looks not so bad, but I don't want anything over 20k miles, I am looking closer to 10k miles, simply for residuals, however this does kind of prove if you can drop 150k on a 10k mile 2015/16 car that in 2yr and with 30k miles expect to get 120-125k if market remains similar to now, less if things worsen, more if things pick up.
After doing a lot of research:
2014 - 2015 610-4's do have what reviewers call understeer, well most reviewers, Jethro called a few out on this stated nonsense, learn how to drive or stop been funded by Ferrari. After speaking to owners with early cars they stated understeer is not an issue on road, but it can be felt on track, however the car GEO can be fully setup.
2016 - 610-4 had an update to the AWD to make it more neutral in Strada mode, I also think they tweaked sport/corsa modes, also LP580-2 was released. Possible revision to mag ride, 580-2 got updated system, not sure if 610-4 was updated/changed. New options, cup holders, some extra leather, sport exhaust option. Race exhaust from Lamborghini direct is £6499 fitted if they like you, 11HP gain, 10kg saving. Official product, covered by warranty, though I am told they will also fit or allow you to fit aftermarket without warranty implications. Those can gain around 30HP!
In a perfect world getting into an MY16 model car has some updates, cheapest ones are 150k in boring colours, 160k for better colours, but at this point I am thinking, well that will be 120-140k in a couple of years, might as well drop another 40k and grab a Performante at this point, probably similar depreciation curve but chance of upside on Performante.
So a 2015 car, around 140k, around 10k miles in a pearl colour with LDS, Mag, Cameras, Senors, bluetooth, NAV, Suede would be an exceptional buy. The purist may cry for none LDS car, I'd still grab one if I can, but LDS/Mag/Lift is a must have for most.
Any car purchased from Lamborghini even ones out of 4yr, get 12 months, you can then extend that at end of 12 months, cost circa £3500 per year.
Yeah I'd look at paying it off or refinancing it. The reason I was going to wait 3 years was so that I could probably buy one outright, banking on them being around the 120k-130k mark then. But with these figures, it could change that a bit...in terms of waiting
I'm obviously not going to rush in to anything, but it's reassuring to know just how accessible my dream car is
EDIT - Just realised you were talking to Gibbooops!
Yes the argument, only buy what you can afford, well its hard to save money, too many temptations along the way, but having a large cash deposit allows you to get in, not pay much interest and get what you want now.
Have a chat with Magnitude, there are people buying these 150k cars with like just 25-50k deposits, even they won't advice that too much due to risk of negative equity at end of term and will generally not allow it, I will probably put 80-90k down and then over pay 3-6 months later, thus dropping that monthly payment down towards £200 a month, which in short allows me to save that 50k over next two years and pay it off, unless of course I just pull from shares/savings and pay it off sooner, but that is a different story as my portfolio is not worth as much as it once was, I am not at a loss though which is good.
On the flip side, I've also been told by Lamborghini if they have car I like, but say it has black wheels, black exhaust, that is something they would happily change back to silver as exhaust are just tips, so interchangeable and I guess they'd just throw another set of wheels on or paint them, still it is good to know.
For me ideally I'd want 2016 Verde green, no LDS, under 10k miles, suede, silver wheels, silver tips for around 150k, but that is a stretch, more likely to be 160 region but I will push hard, buyers market.
Or find a 2014/15, same spec, take LDS if no option, under 20k miles but also under 140k, ideally 135k, put in 85k, 50k finance, overpay 8k and your at £200 a month for a Huracan and 42k balloon, easy to cover that at end of term.
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