As a credit-broker, not a funder (or supplier), we operate with a select number of finance companies and suppliers. In doing so, we ensure that we can offer the customer with choice and value; not every finance company is the same and not every supplier is the same (service/stock/discount).
When you are researching online it is important that you clearly understand who exactly you are dealing with and what proposition is being put forward to you.
As a credit-broker, we sit in-between the finance company we introduce you to and the supplier who will provide the car to you. What this means is that the prices we show on our website could be produced from one of a number of finance companies, each with their own nuances and terms/conditions.
If you do have a specific or bespoke request when leasing a car, it is important that you make this clear to the broker straight away, as we can deal with 10 finance companies or more.
For example, some finance companies will not allow you to amend the contract mileage during the contract (increase/decrease) and others will not allow you to service your car at any place other than a main agent. This is why we stress to customers to review the whole package and not just the monthly cost; regardless of how cheap a car is per month, if it doesn’t meet your needs and requirements then it isn’t suitable. If you are unsure about your mileage in the long-term or if your need a certain maintenance package, raise this at the outset. It is not possible to amend the contract once it has been put in place.
Additionally, we do not work with just one supplier to further bolster our flexibility and choice. One of the first questions a customer will ask is – where does my car come from? Depending on the nature of the deal, we will either use a certain dealer who is organising the special offer or we will use one of our preferred suppliers if there is a choice. The actual supplier will not be your local dealer (unless this can be specifically arranged). T
he reason for this is that each dealer group has a specific fleet or business department which is set up to work with the leasing broker in the UK.
Each of these teams will have a set amount of stock, discount and service levels which are ultimately offered to the end user; our customer. In cases of certain manufacturer, such as Land Rover, each dealership/dealer group will be offered a set amount of stock. If a customer needs a specific vehicle, not every dealer will be able to supply the vehicle and so we need the ability to ask a number of parties to see if they can assist.
This prevents the customer from having to visit a number of dealers across a weekend.
In most circumstances, the credit broker will not be the direct supplier of the vehicle; we don’t have physical stock on our premises which customers can review nor do we personally deliver the vehicle to the customer.
Identifying the correct party within the transaction will become relevant if an issue does arise. As we have explored recently, not every transaction will operate smoothly and without issue. Where something doesn’t work, you need to understand which party has caused this, so you can identify the right way to resolving this.
As a credit broker, we can point you in the right direction but, where we haven’t directly created the issue, we will be unable to directly provide recourse at all times.
In terms of the car shown here, the JAGUAR XF SALOON 3.0 V6 Supercharged S 4dr Auto, this is based on the following configuration:
· Premium paint – Silicon silver
· Grained leather – Ebony
· 19″ 7 split spoke alloy wheels – style 7012
· Gloss black veneer
As standard the car includes LED daytime lights, climate control, 19” alloys, 10” touch screen pro, suedecloth headlining, xenon headlamps with LED signature, electric 4-way lumbar support for front seats, heated front seats, ambient lighting, reversing camera, meridian 380W premium sound system, touch SD navigation, heat insulated glass, rain sensing wipers hill start assist, trailer stability assist, adaptive dynamics, configurable dynamics, premium carpet mats, front parking aid, Bluetooth, lane departure warning, rear parking aid, traffic sign recognition, auto dimming rear view mirror, electric adjustable heated door mirrors, DAB, S body kit, black externals, approach lamp, LED tail lights, Jaguar sense, perforated grained leather upholstery, perimeter alarm and 40/20/40 split folding seats. In terms of additional factory options consider adding – privacy glass, electric tilt/slide sunroof and the 20” alloys upgrades.
On the technical-side, company car and business users can note the P11d at £51,830.00 and CO2 at 161g/km. The 2993CC 8 speed auto engine delivers 46.3 combined MPG, 300ps and 0-62 times of 6.4 seconds. Service intervals are set at every 12 months or 16,000 miles, whichever lands sooner.