Finance your next vehicle with Littlewick green

HP Finance 

Buying a car on HP is ideal for those looking for a straightforward finance agreement. The most crucial difference between this method of purchase and either PCP or PCH is that at the end of the agreement the car can be yours to fully own upon payment of a final, agreed balance. These contracts are generally simple, can be arranged quickly and are available in most car dealerships.


PCP Finance

A variation of a Hire Purchase agreement the Personal Contract Purchase, (or PCP) calculates the value of the car at the start of the agreement and this value is then deferred until the end of the agreed period. Usually referred to as the Guaranteed Minimum Future Value (GMFV) it is calculated using a number of factors. These include how old the car will be at the end of the agreement and how many miles it is expected to have covered.


LP Finance

Lease Purchase, a product very similar to Hire Purchase, it is a more conventional funding facility that has been overshadowed in some respects by more recent products such as Contract Purchase or Personal Contract Purchase. Nevertheless traditional Lease Purchase / Hire Purchase has a number of advantages for organisations.


GAP Insurance 

If your vehicle is written off or stolen then your motor insurer will normally only pay out the current market value of the vehicle. In most cases this could leave a financial shortfall that your will need to pay, that’s where Combined GAP insurance can help cover the shortfall and put you in a more healthy financial position.

 

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FINANCIAL DISCLOSURE

Maytone Ltd is an Appointed Representative of Automotive Compliance Ltd, who is authorised and regulated by the Financial Conduct Authority (FCA No 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows Maytone Ltd to act as a credit broker, not as a lender, for the introduction to a limited number of lenders and to act as an agent on behalf of the insurer for insurance distribution activities only. We can introduce you to a selected panel of lenders, which includes manufacturer lenders linked directly to the franchises that we represent. An introduction to a lender does not amount to independent financial advice and we act as their agent for this introduction. Our approach is to introduce you first to the manufacturer lender linked directly to the particular franchise you are purchasing your vehicle from, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next best offer of finance for you. Our aim is to secure the best deal you are eligible for from our panel of lenders. Lenders may pay a fixed commission to us for introducing you to them, calculated by reference to the vehicle model or amount you borrow. Different lenders may pay different commissions for such introductions, and manufacturer lenders linked directly to the franchises that we represent may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement, all of which are set by the lender concerned. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over. Guarantees may be required.

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