Specialist
Best ways to Finance a Rolls-Royce Purchase in the UK
For buying and refinancing Rolls-Royce cars
For buying and refinancing Rolls-Royce cars
High quality Rolls-Royce 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.
Owning a Rolls-Royce is unlike any other car brand. With a history stretching back for over a century, Rolls-Royce is a marque that exemplifies prestige and luxury. When you travel in a Rolls-Royce, you experience a level of comfort that is truly effortless.
While purchasing a Rolls-Royce outright can seem efficient, tailored financing is often preferable. Through financing, you preserve capital liquidity, manage the impact of depreciation, and potentially gain access to a wider range of exceptional Rolls-Royce vehicles and additional services.
At Clifton Private Finance, we help our clients obtain quality car finance that is suited to your exact circumstances, with options to fit business ownership, private leasing, and the finer needs of HNWIs in the UK.
Car finance structures offer incredible flexibility for both businesses and individuals looking to minimise the financial impact of buying or leasing a Rolls-Royce, and are tailored to balance between an initial capital investment, ongoing monthly repayments, and end-of-term balloon payments.
The different nature of business and individual accounting means that while the core structure of finance options has similarities, the underlying nuances are different, leading to distinct products to be considered that depend on your position.
However, the finance types can be loosely grouped under three core categories:
Whether individual or business, hire purchase (HP) provides a loan-like product for car finance. This is structured with the intention that the Rolls-Royce is yours permanently, with monthly repayments that encompass both capital and interest payments.
Hire purchase spreads the cost of ownership with a larger deposit payment (typically 10%) and ongoing monthly repayments over 24 to 60 months. A balloon HP option is available from some lenders that provides a means to reduce the impact on monthly cash flow with an agreed larger final sum.
Hire purchase follows a similar structure for both business and private use. Appropriate business accounting may provide some tax efficiencies and other benefits.
Personal Contract Purchase (PCP) offers individuals a leasing structure that offers an end-of-term choice between full ownership, vehicle upgrade, or return. Business finance leasing provides similar versatility for companies, allowing for flexibility at the end of the contract that delays decision making regarding your Rolls-Royce until future circumstances are known.
A combination of upfront payments and balloon options helps reduce ongoing monthly repayment levels, allowing PCP and finance lease agreements to be adapted to your cash flow and capital structures.
Contract hire offers both business users and individuals a frictionless path for Rolls-Royce use. Structured as a rental-style agreement where the car is returned at the end of a set, short-to-medium-term period, contract hire offers several options for leasees including:
Car finance provides a strategic solution to car purchasing. When employed efficiently, it offers a range of benefits, including:
Assessing your precise desires will help ensure your Rolls-Royce finance is properly tailored to fit your circumstances. Some factors that are worth considering include:
Travelling in a Rolls-Royce is a journey of comfort, with as much focus placed on the environment of the passengers as that of the driver; for this reason, Rolls-Royce has always been a marque that meets the needs of owners who enjoy the convenience and luxury of a chauffeur-driven ride. If you are looking to reduce the friction that comes with car ownership, it is often beneficial to consider contract hire and business finance lease structures that come with comprehensive maintenance packages.
In this way, many of the considerations that may mar the smoothness of Rolls-Royce ownership are reduced, leaving you with one clear outcome that encompasses all aspects of vehicle use.
Well-structured business agreements may result in tax efficiencies that reduce the overall financial impact of your Rolls-Royce. By discussing your specific circumstances with your Clifton Private Finance adviser, you can explore business options in hire purchase, finance lease, and contract hire, tailoring your agreement to best suit your business accounting.
With fewer ties, leasing agreements offer a path to new model upgrades that traditional ownership cannot easily match. Some contract hire options can be extremely short-term, allowing for replacement Rolls-Royce vehicles as regularly as every three-to-six months, while others have a regular schedule for upgrade every few years to ensure you’re always enjoying a state-of-the-art model.
In contrast, ownership offers long-term comfort, with a car that you appreciate and understand, tailored to your tastes. While secondary market considerations reduce flexibility, ongoing ownership provides reliable continuity that can reduce overheads.
At Clifton Private Finance, we negotiate with lenders to structure your repayments as required, balancing the initial capital cost with monthly outgoings and optional final payments. This provides flexibility across all car finance structures:
Mileage restrictions help reduce depreciation and manage finance agreements and are applied in all leasing contracts. Larger annual mileage allowances represent greater monthly costs, while lower monthly mileage limits balance outgoings accordingly. Evaluating your annual travel requirements will help determine the right type of finance, with extremely frequent drivers who require extremely high or unrestricted mileage opting for hire purchase arrangements in preference to leasing options. Excess mileage is offset with an additional end-of-term fee.
The market for used and classic Rolls-Royces is varied and worth exploring for many. Car finance is not limited to new vehicles only, with hire purchase, finance lease, and PCP contracts available for those considering a luxury used vehicle, though contract hire agreements are rarer.
Other factors should also be considered when purchasing a used Rolls-Royce, including:
Specialist used car finance is available through Clifton Private Finance. Discuss your requirements with your adviser.
Premium vehicles, such as Rolls-Royce, typically benefit from integrated maintenance agreements. These reduce the burden of ownership, providing support and reducing the trouble that can come from car use. Maintenance contracts can be tailored to suit needs, building on existing warranties, breakdown assistance, and insurance to provide full-spectrum cover for your Rolls-Royce.
These may include:
Maintenance contracts should be evaluated against existing services to avoid replication, with costs balanced accordingly. Car-only finance typically offers a more cost-effective route, though select full-maintenance deals remain competitive.
Clifton Private Finance works with a range of experienced luxury car finance lenders. We compare solutions with your specific circumstances in mind to find the most appropriate fit. Whether you’re exploring the market looking for a first Ghost or upgrading to a tailored Phantom Extended, Clifton Private Finance can get you suitable finance.
The following illustrative examples offer an estimate of car finance costs for a range of premium Rolls-Royce vehicles. Actual costs will vary by lender, borrower credit profile, selected mileage, and the chosen car finance solution.
| Rolls-Royce Model | Typical UK Price Range | Example Deposit | Approx. Monthly Finance |
|---|---|---|---|
| Ghost | £255,000 - £360,000+ | £25,500 - £36,000+ | £2,450 - £4,250+ |
| Ghost Extended | £300,000 - £420,000+ | £30,000 - £42,000+ | £2,950 - £4,950+ |
| Black Badge Ghost | £340,000 - £480,000+ | £34,000 - £48,000+ | £3,250 - £5,650+ |
| Cullinan | £310,000 - £420,000+ | £31,000 - £42,000+ | £2,995 - £4,950+ |
| Black Badge Cullinan | £400,000 - £575,000+ | £40,000 - £57,500+ | £3,950 - £6,750+ |
| Spectre | £335,000 - £460,000+ | £33,500 - £46,000+ | £3,150 - £5,450+ |
| Black Badge Spectre | £390,000 - £550,000+ | £39,000 - £55,000+ | £3,850 - £6,500+ |
| Phantom | £370,000 - £560,000+ | £37,000 - £56,000+ | £3,650 - £6,750+ |
| Phantom Extended | £430,000 - £700,000+ | £43,000 - £70,000+ | £4,250 - £8,250+ |
| Provenance / Pre-Owned Rolls-Royce | £90,000 - £380,000+ | £9,000 - £38,000+ | £899 - £4,750+ |
Financing your Rolls-Royce is only one part of a greater experience. When you own a Rolls-Royce, it is essential to consider the wider support structure that will make ownership smoother.
Premium cars require bespoke security options, which can often require an additional investment, especially in inner-city locations. Suitably garaging your Rolls-Royce while ensuring it is close enough to your location to minimise disruption may need additional financing. Speak to your Clifton Private Finance adviser to determine the most appropriate funding option to meet specialist storage facilities.
For many, enjoying a Rolls-Royce is heightened through the convenience of door-to-door service. The complete luxury experience is encapsulated with a professional car collection and parking, while maximum relaxation can come with a professional, personal chauffeur.
A Rolls-Royce offers the ultimate personal driving lifestyle, and whether you’re opting for a Ghost that you’ll drive yourself or a chauffeured Phantom Extended to provide complete comfort and style for your family and guests, customising the car improves the experience.
With years of expertise in the luxury vehicle market, the specialist car finance team at Clifton Private Finance are here to help you explore your options and secure the most appropriate finance.
We will compare options, examining both short-term and long-term costs alongside contract terms and flexibility. We will work with your accountants to develop a car finance package that’s low-impact, preserving capital for other investments while securing the Rolls-Royce you’re excited for. At every stage of your Rolls-Royce owning journey, Clifton Private Finance can help – speak to a specialist 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!
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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
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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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