Specialist
Best Ways to Finance a Jaguar Purchase in the UK
For buying and refinancing Jaguar cars
For buying and refinancing Jaguar cars
High quality Jaguar finance solutions for UK & international clients.
We can deliver enhanced, bespoke or exclusive terms through our market knowledge.
Call us on 0203 900 4322 to discuss your requirements.
There’s a pleasure in owning a Jaguar that goes beyond the smooth driving experience. Jaguar drivers use words like ‘addictive’ and ‘theatrical’ when describing their time at the wheel of an F-Type, thrilling to the sounds of the engine while settled in true luxury comfort.
As Jaguar undergoes a major transition, repositioning itself as a top UK marque for luxury EVs, its existing range remains fully supported, giving Jaguar aficionados the continued opportunity to experience this current generation of driving excellence.
While buying a Jaguar outright has its allure, bespoke financing offers several advantages, spreading the cost to avoid a major impact on current capital and offering flexible terms to suit your personal circumstances. Whether full ownership is the end goal or a pathway that means you’re always driving the latest model, efficient car finance is the answer.
At Clifton Private Finance, we offer tailored car finance for prestige and luxury vehicles, with dedicated products that meet the needs of both individuals and business owners, and the specialist considerations of high-net-worth individuals.
Bespoke car finance allows you to purchase a new or used Jaguar without committing the full cost upfront. By spreading the cost of your car across its driving lifespan, you free up capital for other investments and business considerations.
With Clifton Private Finance, car finance payments can be structured for:
The car finance team at Clifton Private Finance have the expertise you need to compare the range of options from the UK’s top lenders. Working on your behalf, we will develop a solution that’s tailored to suit your requirements.
With a long history of desirable quality cars, car finance for Jaguars isn’t limited to showroom-new models. A range of options allows you to explore the exciting used luxury market, where vehicles like the V8 XJ and XK can be found with low mileage and carry as much prestige now as ever.
The following chart provides a range of examples, based on a 48-month finance term with an example deposit of 10%.
Speak to your Clifton Private Finance adviser to explore actual costs, which will vary by lender, your credit profile, mileage, and your chosen car finance structure.
| Jaguar Model | Typical UK Price Range | Example Deposit | Approx. Monthly Finance |
|---|---|---|---|
| F-PACE | £47,500 - £90,000+ | £4,750 - £9,000+ | £599 - £1,199+ |
| F-PACE SVR | £65,000 - £120,000+ | £6,500 - £12,000+ | £799 - £1,499+ |
| I-PACE HSE / High Spec | £45,000 - £82,000+ | £4,500 - £8,200+ | £575 - £1,099+ |
| F-TYPE V8 / R (Used Premium Market) | £45,000 - £97,000+ | £4,500 - £9,700+ | £599 - £1,250+ |
| XJ Autobiography / V8 (Used Luxury Market) | £35,000 - £80,000+ | £3,500 - £8,000+ | £475 - £999+ |
| XK / XKR (Used GT Market) | £28,000 - £75,000+ | £2,800 - £7,500+ | £399 - £949+ |
| SVR / Special Jaguar Models | £60,000 - £120,000+ | £6,000 - £12,000+ | £775 - £1,499+ |
With many variables, car finance may look complicated, though when buying a Jaguar, the options settle into three main categories:
Differences between business and personal accounting mean these are structured differently depending on your circumstances.
At Clifton Private Finance, we will help you explore the impact of the different car finance structures, including the initial deposit payments, the cash flow impact of monthly repayments, and the accounting and tax nuances that should be considered.
Options include:
Business customers may also like to consider fleet-based finance, combining multiple individual Jaguar leasing agreements into a single product that offers executives access to a premium vehicle as part of their contract.
Car finance is often structured around three common post-agreement plans:
Hire purchase and contract hire agreements typically have the exit planned from the start of the finance. However, both individual PCP and business finance lease can be more flexible, with adjustments made to take into account the real-world changes that may have occurred during the finance term.
Some examples of car finance conclusions include:
In some cases, fees will be due at the end of the finance term.
Several factors will determine the right car finance for your Jaguar.
Buying your Jaguar through a business requires some greater considerations than a simpler individual structure. However, it may work out cheaper thanks to some tax efficiencies and supported schemes. Jaguar’s new positioning as an EV-centric brand may offer benefits through the salary sacrifice scheme, where electric cars can be bought through the business and deducted from gross, rather than net pay.
Your Clifton Private Finance adviser can tailor a business car finance plan to meet your business structure and accounting. They can guide you to the best car finance option for your requirements. Options include hire purchase, contract hire, flexible finance lease agreements, and fleet options that will present your company at a high level of prestige to corporate clients.
Through leasing, long-term Jaguar ownership means always having the latest model - an ideal agreement as the national driving landscape adapts to reduce reliance on fossil fuels. Rather than going through the complexities that come with selling your existing vehicle to raise the capital for a new model, contract hire, PCP, and finance lease ease the transition, regularly upgrading you to a new Jaguar with a fraction of the paperwork.
Exploring options to meet your capital use and cash flow is an essential part of car finance. At Clifton Private Finance, we negotiate with lenders to structure your agreements with an eye to both flexibility and cost, ensuring your final contract meets your individual circumstances. This means adjusting the three stages of payment - initial, ongoing, and final - to optimise cash flow and capital impact. Examples include:
Several car finance agreements - including finance lease, PCP, and contract hire - will be structured with a mileage limit, which helps reduce monthly payments. Lower mileage limits reduce depreciation of the Jaguar, resulting in smaller monthly costs. Determining your mileage requirements up front will help you choose an appropriate limit and keep costs within budget.
The used marketplace for Jaguars, both classic and current, is vibrant. Many Jaguar drivers look to the used market for unique opportunities that dealerships cannot offer with new vehicles. Car finance is designed for both new and used vehicles, though some options, such as contract hire, are typically offered only for a brand new car. Discuss the best finance for used cars with your Clifton Private Finance adviser.
Comprehensive additional maintenance packages can be offered across the range of car finance options. These may cover:
For Jaguar owners, a full maintenance package provides a level of support that helps reduce the ongoing concerns that surround car ownership, allowing you to enjoy the car without worrying about mundane issues.
When you use car finance, you do more than simply spread the cost of purchase. It offers access to a wider range of vehicles, improved cash flow flexibility, and tax advantages in many circumstances. Some benefits to consider include:
Our specialist prestige car finance brokers at Clifton Private Finance will help you secure car finance tailored to your unique circumstances. Our expertise in the luxury car finance market provides the insights necessary to obtain cost-effective funding that increases your opportunities, opening the door to the most luxurious and exciting Jaguars available.
Whether you’re aiming at securing a growling Jaguar from the current range, exploring a classic delight, or looking to start on a path to environmentally responsible car ownership, and offer a highly competitive asset finance service for you, talk to a Clifton Private Finance adviser today.
Call us today to discuss your requirements on 0203 900 4322
I approached Clifton Private Finance to help me get a mortgage as an Expat working in the Far East. I would normally 'cut out the middle man' on something like this and try to get myself a deal directly with the banks, but I am now sold on the broker concept and wouldn't hesitate to use Clifton Private Finance again. There were a number of complicating factors such as being an expat, the stamp duty holiday, the sheer amount I wanted to borrow and the fact I wanted it all wrapped up before the Stamp Duty holiday ended. It is clear to me now that the relationship that brokers have managed to foster with their banks means they can simply pull levers and make stuff happen that us ordinary folk cannot. Put simply, they are worth every penny, will take most of the stress out of the lending process, and seem to have access to deals that you just won't find on the internet. Thank you George and Jan for all your hard work!
James M
Luther was excellent. Very clear in his advice and explanations of products and was able to move things on very quickly when we ran into difficulties with the estate agents. Without a doubt I would recommend Luther to all friends, family and colleagues. Luther was a joy to deal with and took a lot of the stress out of a troublesome transaction, from my end. I would view Luther as real asset to Clifton Private Finance Ltd.
William W
The team at Clifton Private Finance has been outstanding, not only in helping me to obtain a mortgage on a slightly unusual home, but also in continuing to provide support and liaise with the lender and solicitors through to completion. Thank you for making the process of buying my first home much easier.
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Sam O'Neill, and the new lender he identified for me, worked tirelessly together using my time constraints, to make sure my mortgage application was completed on time. They are a brilliant company to work with, fast, efficient, open and transparent from the very beginning, and turned a seemingly impossible situation into a viable one. Sam was brilliant throughout the whole process and I would highly recommend him, and his colleague Helen, to anyone without hesitation, I cannot speak highly enough about them.
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I was incredibly lucky to find Clifton Private Finance after a search on line as their service has been more than exemplary. My point of contact was Sam 0’Neill and he was happy to help at every stage during the application of the bridging loan, making a stressful process much easier to deal with. He was always available by phone or email and gave prompt answers to queries I had as well as always getting back to me when he said he would. That to me is excellent customer service and I cannot thank him personally or the company enough for the support they have given me.
C Jefferey
Adam cannot thank you enough for all your support throughout this arrangement. You have gone more than the extra mile to support us. Without you we would not have got our dream retirement home. You have been most professional and personable. Liz and I would be more than happy if you wanted to use us a reference with respect to any future clients.
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You have certainly shown me that you do everything for your clients, including tolerating their excessive emails and questions for updates. I have been kept in the loop, from yourself, about why the delays were occurring (Nationwide, post etc) which I would like to highlight that I really appreciated. I certainly will be able to recommend you to others as and when the need arises.
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I recently contacted Clifton Private Finance after a Google search for bridging finance providers and was immediately struck by their efficiency and support. Forms were emailed over almost immediately and the necessary finance was arranged within a few days. None of the other companies I contacted came close to their professionalism, and the quote that I eventually received was impressive. Thank you Adam, your help has enabled us to reserve the house that we wanted and I certainly recommend you to others.
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Absolutely brilliant. The service was first class, got everything sorted efficiently and were always friendly. Any fees were negligible compared to the service offered. Robert was particularly outstanding.
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My advisor, Robert, was very helpful in finding the mortgage to suit me. He kept me up to date throughout the process and dealt with any issues when they arose.
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