Just a question as iirc your SVR is PCP'd right? Do you mean depreciation relative to your GFV? How does that actually affect you money wise, as the monthly payments are calculated against the GFV right? So you'd potentially have 'equity' in the car if you decided to part ex (retail value > GFV + remaining payments?). Can you actually get to this equity as cash in any way? Is it not actually bad for you that they haven't depreciated down to the GFV, because you've paid for it anyway?
Sorry bit of a noob for fancy car PCP.
I am paying the SVR off next month or in January as long as I don't put all my savings on black in Vegas
, so the PCP is no longer a worry, the car shall be owned outright by myself as of 2019 as I've saved enough to pay it off, so to me it makes sense to do so as I save the interest.
Then if I decide to get something else it gives me more options, sell privately and maybe better negotiation power with a deal regarding trade in and finance deals against another car or newer model SVR, though I check regular no new blue SVR's with all the right options have come up for sale in past couple of months. Based on the specification of mine and it been the right colour I paid 81k a year ago, its still worth north of 70k and Jaguar offered 72.5k trade in against an SVR I did not want.
So its held value better than I expected and as the new F-Type R / SVR is rumoured to be based on the 4.4l V8 TT unit from M5 with some weight reduction if that comes true I expect values of current gen SVR if anything to improve because when it comes to turbo V8's the BMW units sound rather pathetic, only Mercedes seem to have an acceptable sounding turbo V8 to my ears. Of course Aston made the Merc unit sound even better, so maybe Jaguar may achieve similar with the BMW unit as the British car manufacturers just seem to know how to make a car sound utterly amazing and don't seem to care about noise levels.
My shortlist is:
Newer end of run SVR, under 5k miles, ultra blue, carbon packs, ceramics, winter pack, BLIS etc.
570S green, orange or purple
991 GT3, not sure on colour
Maybe the new F-Type or new GT4 when they are announced/released in 2019/2020
F430, though more a heart not so much brain decision and could end up regretting as its slow compared to company here, maybe 458 but just not feeling it and would need finance as cash budget would be 100k