Specialist

Train Finance and Leasing

For buying and refinancing trains

How much do you want to borrow?

 

train finance and leasing

Clifton private finance

We specialise in sourcing train finance and leasing in the UK

 

High quality train finance solutions for UK & international clients.

  • Train finance from £25,000
  • Competitive vehicle & train finance that often outperforms in-house dealer offers
  • Flexible finance options which includes: Personal loans, Personal contract Purchase (PCP), Hire Purchase, Lease Purchase
  • Tailored bespoke service
  • Refinance options
  • Flexible repayment periods
  • Finance available on new, used and auction bought train
  • Business owners - Refinance existing assets to free up your company's liquid capital
  • Business owners - Cashflow matched repayments
  • Asset finance for trains

We can deliver enhanced, bespoke or exclusive terms through our market knowledge.  

Call us on 0203 900 4322 to discuss your requirements.

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Train Finance and Leasing

Train Finance and Leasing in the UK

Here, we'll delve into the world of train finance and leasing, exploring the various options available for acquiring trains in the UK. From passenger trains to freight locomotives, we'll provide an overview of popular models, finance options, and the advantages and disadvantages of each. Additionally, we'll cover topics such as tax implications, maintenance, and insurance, as well as the role of finance brokers in securing the best deals.

Remember, investing in trains, whether for public transportation or commercial purposes, can be a significant undertaking, and with the right finance or lease plan, it becomes more attainable than you might think.

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Different Options for Train Finance and Leasing

When looking to acquire trains for your business or organisation, you have several finance and leasing options to consider. Each option has its pros and cons, depending on your specific needs and cash flow. Here are some of the most popular options:

Popular Types of Trains You Can Buy or Lease

The UK train market offers a wide range of models suitable for various applications, including passenger transportation, freight operations, and specialised services. Here are some examples of popular train types and their approximate price ranges:

Train TypeModelPrice Range in UK
Passenger Trains Bombardier Aventra £2.1 million - £4 million
  Hitachi AT300 £3 million - £5 million (estimated)
  Stadler FLIRT £2 million - £3.5 million (estimated)
Freight Locomotives Vossloh EuroLight £1.5 million - £2.5 million (estimated)
  Stadler EuroDual £2 million - £3.5 million (estimated)
  Škoda 7E £1 million - £2 million (estimated)
Specialised Trains Network Rail Track Renewal Trains £5 million - £15 million (estimated)
  Vacuum Waste Disposal Trains £2 million - £5 million (estimated)
  Snowblower Trains £3 million - £7 million (estimated)

 

Tax Implications for Train Finance

When it comes to train finance and leasing in the UK, understanding the tax implications is crucial. The type of finance or lease agreement you choose can have a significant impact on your tax liabilities.

For instance, if you opt for a train lease, you may be able to reclaim a portion or all of the VAT on your monthly payments if your company is VAT-registered. The amount you can claim depends on the extent of private use of the train, if any. If the train is used solely for business purposes, you can typically claim up to 100% VAT back on the initial rental and monthly instalments.

In terms of corporation tax, limited companies can often claim a significant portion or all of the monthly payments back through their corporation tax bill. This also applies to costs such as maintenance packages alongside your lease agreement. However, the specific allowances and deductions are determined by HMRC (HM Revenue and Customs) and may vary based on factors like the train's emissions and energy efficiency.

Maintenance and Insurance for Train Finance

The responsibility for maintenance and insurance of a financed or leased train typically depends on the type of agreement you choose. Here are some common types of agreements:

When it comes to insurance, it is typically the responsibility of the lessee or owner to ensure that the train is adequately insured. The insurance policy must cover the train and any potential liabilities associated with its operation. Insurance for the rail industry can be complex due to the unique risks involved, so it’s important to work with an insurer who understands the specific needs of the rail sector.

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What Happens at the End of a Train Finance Plan?

Typically, at the end of a train finance agreement, you'll have three main options:

It's essential to consider your business needs, the condition of the train, and the associated costs to determine the best option for you. Discuss your requirements with your finance provider well in advance of the end of the agreement to ensure a smooth transition.

Using a Finance Broker to Help

Finding the best deal for train finance and leasing can be a complex and daunting task, especially if you are not familiar with the different options, terms, and conditions. That's why using a finance broker can be incredibly beneficial. At Clifton Private Finance, we can help you:

At Clifton Private Finance, we are a leading finance broker in the UK, and we specialise in train finance and leasing. We have access to multiple asset finance lenders, and we always compare the best options to offer you bespoke finance solutions that suit your needs and budget.

Get in Touch

If you are interested in acquiring trains through finance or leasing, contact us today and speak to one of our expert advisers. We will be happy to answer any questions you may have and provide you with a free, no-obligation quote. We look forward to hearing from you soon.

Call us today to discuss your train finance and leasing requirements on 0203 900 4322.

Get Car Finance Quote »

 


Call us today to discuss your requirements on 0203 900 4322

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