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So, you are thinking of selling your car? You know that missing service records or old MOT certificates can cause potential buyers to hesitate, but do you know how much that incomplete paperwork is truly costing you, or what other factors go into getting you a good car valuation?

Because, as a seller, you can often leave thousands on the table simply because your car's history is messy or unclear.

This is because without evidence, car dealers, car buyers, and also private buyers will assume the worst - that your car just has not been maintained properly, and this could lead to lots of unseen issues as a result, and they can drastically drop their offers due to this.

As a result, the money is the price you then pay for uncertainty, even if your car is mechanically perfect right now.

However, you do not have to settle for a low offer!

cars

In this definitive guide to what goes into your car valuation, we will give you the essential checklist needed to turn your scattered paperwork into a powerful sales tool.

For instance, we will show you how to properly present your Service Book, MOT Advisories, and Repair Receipts to help eliminate buyer doubt, justify a higher price, and make sure that your car's true value is reflected in the valuation you get as a result.

So let's see what you can do to get a better car valuation price and what you need to factor in.

Table of Contents

Quick Guide On The Key Factors That Impact Your Car's Value

Successfully selling your car for the best price depends on providing certainty to your buyer. As a result, here are the core factors that will immediately raise or lower your car's valuation:

Category High Value Status (Positive Impact) Low Value Status (Negative Impact)
Service History Full Main Dealer History (FMH) or comprehensive Full Service History (FSH) with receipts. Missing service book, relying only on "digital records," or gaps in maintenance.
Maintenance Proof Comprehensive "Evidence File" showing invoices for costly items like timing belt, clutch, or premium parts. Consistent MOT Advisories suggesting deferred maintenance (e.g., repeating tyre warnings).
Condition & Cleanliness A fresh MOT with zero advisories; professionally detailed interior with no strong odours (e.g., smoke or pets). Major cosmetic damage (dents, deep scratches) or unremoved pet/smoke odours in the interior.
Accident History Low number of owners (preferably one or two); receipts proving high-quality repair work after any minor incident. Previously declared an insurance write-off (Cat S or N); high number of previous owners for a young car.
Age & Mileage Mileage is in line with or lower than the 10-12k miles per year average; specific models approaching "classic" status. Very high mileage for the car's age, indicating excessive wear and tear.
Market & Fuel Popular Make and Model (high brand reliability); efficient Petrol or Hybrid vehicles with strong demand in your region. Diesel engine in a city subject to low-emission zones (ULEZ); extreme, non-factory Modifications (e.g., engine tuning).
Features Factory-fitted Optional Extras such as sat-nav, advanced safety systems, or premium leather upholstery. Substandard, non-genuine Modifications that increase insurance risks (e.g., non-branded performance parts).

The Service Book and Its Stamps

Your car’s service book is proof that your car has received the attention at the manufacturer's specified intervals.

Without it, a buyer assumes the worst, but did you know that there are varying types of service stamps?

Full Service History (FSH) vs. Full Main Dealer History (FMH)

It is actually key that you understand the difference between the two main types of service history: The Full Service History (FSH) and the Full Main Dealer History (FMH).

Full Service History (FSH)            

This means that your car has been serviced every year, or at the required mileage interval, by               any VAT-registered garage.

For most everyday cars, this is the expected minimum standard you need to achieve for your car’s maintenance.            

blue volkswagen

Full Main Dealer History (FMH)            

However, this is the Gold Standard and is worth a premium, especially on newer, high-value, or even specialist vehicles.

As this type of service means the car was serviced exclusively by the official franchised dealership for that make, and as a result, many car buyers will value this because it guarantees them: 

Genuine Parts Are Used

As here, only official manufacturer parts were used.

Expertise

As their Technicians are trained specifically on that make and model, and that they did the work exactly to the manufacturer's guidelines.

Warranty Preservation

Any manufacturer's warranty that came with with car still remains fully intact.

For drivers of performance or premium brands, such as BMWs or Minis getting a service done by a reputable Independent Specialist is a highly valued middle ground as well.

The Digital Shift or Your Records

Many car manufacturers, including BMW, Mercedes, and Audi, have now all moved to Digital Service Records (DSRs).

Here, the days of the traditional service stamp are simply fading.   

So, if you are selling a car with DSRs, you must get a printout or summary from a main dealer before you list the car.

You cannot simply tell the buyer it's "digital" - as you need to show them the paperwork you obtained from the dealership, actually proving the history.     

red kia
silver hyundai

The Health Check - MOTs and Inspections   

Your MOT certificate then proves that your car is roadworthy, but the MOT history tells a much deeper story about its long-term health over its lifespan and what the car has been through.   

Beyond the Pass Mark, What MOTs Really Tell You   

Due to the above, any savvy buyer or car dealer will check the car’s full MOT history online.

Here, they are not just looking for a current certificate; they are looking at the Advisories over time and if these were rectified or not between MOTs.

The Trend is Key

For instance, here consistent advisories for the same minor issue (like "tyres getting low" or "corrosion noted") do suggest you have been deferring maintenance.

Which in turn reduces confidence and your value as a result.

The "Clean MOT" Value Boost

A fresh MOT conducted just before the sale, especially one with zero advisories, is also a very powerful selling tool as well, and something for you to consider if at all possible.  

Top Tip: Did you know that the full MOT history for any vehicle registered in the UK is available for free on the government website.   

Pre-Sale Inspection Reports   

For cars without a perfect service book, or for those in the high-value bracket, you also do not have to worry, as here a pre-sale mechanical inspection by an independent body (like the AA, RAC, or an engineer) can also be worth the investment.

As this then helps to mitigate the buyer's fear or issues they can not see being present, and turns uncertainty into certainty.   

The Proof of Care - The Power of Your Receipts and Invoices   

Service stamps only prove you attended a garage; however, receipts and invoices, on the other hand, prove the work that was done and the money you spent to keep the car running perfectly.  

The best sellers keep an "Evidence File" - a neat, chronological binder of all invoices that have gone into the car over their time with it.

As this shows your buyers that you kept on top of everything to do with the car, and not just the paperwork side of things.

But why do receipts help to keep a high car value?

Well, this is for a number of reasons, including, for instance, showing:

Timing Belt / Chain Replacement

This is the most crucial receipt for many cars. Note the mileage and date of this work, as it's a major, costly maintenance item.

Major Repairs

Any receipts for expensive jobs like a new gearbox, a new clutch, or expensive suspension components.

Quality Parts

Invoices for premium, name-brand tyres or brake discs / pads show you didn't scrimp on safety.

Manufacturer Recalls

Proof that any official safety recalls have been actioned by a dealer.    

When the History is Missing, What Should You Do?   

So, what if your history is not perfect? Honesty and action are your best tools here, actually.

For instance, let's give you a few situations to show you why:  

Scenario 1, The Book is Lost, But You Used the Same Garage  

Here, the fix would be to ask your long-term mechanic for a Letter of History or a printout of every invoice they have on file for your car.

This, in turn, can be highly effective and often restores much of the lost value straight away.   

Scenario 2, The History is Genuinely Blank  

Here, you must be honest in the listing, and actually, your best strategy is to put the money you saved on services into a fresh, comprehensive service and third-party mechanical inspection.

This will then help to reassure the buyer of the current mechanical condition, though you must accept a value reduction in some way, as the history is missing in this case.  

Please note: A car with an incomplete history will always tend to sell for less than an equivalent car with a perfect history.

As here a buyer sees a blank stamp as a risk, they need to be financially compensated in encase things break after they buy it from you.

Accident and Ownership History – What Your Car's Past Reveals

Your car's records aren't just about services and repairs; they're also about its life story. As a result, any buyer will look at two key things that speak volumes about its past: the number of previous owners and whether your car has ever been in a serious accident as well.

Number of Previous Owners

A high number of past owners, especially on a relatively new car, raises a red flag for potential buyers. Why? Because it does suggest that the car might have had recurring problems that caused people to quickly sell it on.

Low Owners = High Trust

A car with just one or two owners is seen as being more stable and usually better cared for, and this is especially true if you are the first owner from new.

Company Cars

Sometimes, a high owner count is simply due to the car being leased or a company car, and if this is the case, be ready to explain this, as they often have excellent maintenance records due to fleet requirements.

Accident History and Write-Offs

The worst hit to a car's value, though, comes from accident damage.

As here buyers can usually check a car's past through various online history services to see if it has been marked as a total loss (a write-off) by an insurance company.

As a result, things to note here include, for instance:

Insurance Categories

A car previously declared a Category S or N (or the older C/D) write-off will immediately sell for significantly less, even if the repairs were carried out perfectly, as many dealers will not even touch these cars.

Proof of Repair

If your car has had an accident but was not a write-off, you should also keep all your receipts and invoices for the repair work done as well.

This then proves that high-quality, professional work was done, which helps to reassure your buyer about your car’s overall safety rating and structural integrity as well.

Age of the Vehicle – The Price of Time and Mileage

It is a simple truth of the car market: cars get older, and their value goes down.

This concept, as you may know, is known as depreciation, and is one of the biggest costs of car ownership.

The Impact of Mileage

Age and mileage do go hand-in-hand in affecting your car's market value, and this is for numerous reasons, including, for instance:.

Average Wear and Tear

As here buyers typically expect a car to cover around 10,000 to 12,000 miles per year. If your car has significantly more than this, it does suggest increased wear and tear on its components like the engine and suspension that then may need to be covered in the short term adding to their cost.

Low Mileage Exception

A very low mileage car, on the other hand, is a lot more desirable, but only if the service history proves it has still been serviced regularly by time interval rather than mileage.

Because here leaving a car unused and un-serviced can cause as many issues as driving it too much, which many people do not tend to know.

The Classic Car Sweet Spot

Depreciation, though, is heavy for the first few years, but for some desirable models, the drop eventually slows down, and can even increase over time.

As certain well-maintained, older, or specialist vehicles can become classic cars, where age actually increases their desirability and value, provided they have a full service record to back up their condition, that is.

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Colour and Presentation – The Essential First Impression

The moment a buyer sees your car - either in a picture or in person - is actually more key than many think.

As here first impressions can easily add or subtract hundreds of pounds from the final offer.

The Colour Conundrum

Believe it or not, the colour of your car impacts its resale value for a number of reasons, including, for instance:

Average Wear and Tear

Buyers typically expect a car to cover around 10,000 to 12,000 miles per year. If your car has significantly more than this, then it does suggest increased wear and tear on your components, like your engine and suspension, as a result.

Low Mileage Exception:

A very low mileage car is also very desirable, but only if the service history proves it has still been serviced regularly by time interval rather than mileage.

As here leaving a car unused and un-serviced can cause you as many issues as driving it too much for instance.

Detailing Making It Gleam

Before you get a valuation or list your car, a thorough clean is mandatory, and this is more than a quick wash; consider a professional level of cleanliness, for instance you cna also check out our other guide on: How to Prepare Your Car for Sale, A Comprehensive Guide On What You Need to Do, to know more about what you need to do to prepare your car ahead of time.

However, some of the basics include, for instance:

Interior First

A clean, odour-free cabin suggests care and respect for the vehicle. Make sure the carpets are vacuumed, and all rubbish is removed.

Paintwork Perfection

The paintwork is the first thing a buyer sees. As a result, a deep wash, polish, and application of a wax or sealant to make it shine and protect it can make a massive difference to how much they want the car and how quickly it sells.

Fuel Type, Efficiency, and Range – Keeping Up With The Times

The engine under the bonnet and the fuel it uses are also now one of the biggest factors affecting your car's value as well.

As here, with government regulations and a growing focus on environmental awareness, the market for different fuel types is constantly shifting as a result.

The Rise of EVs and Hybrids

The market is moving quickly towards electric vehicles (EVs) and hybrids, which in turn will impact the resale value of traditional petrol cars and diesel cars as a result.

This is actually for a number of reasons, including, for instance:

Hybrid Appeal

Cars that use a mix of petrol / diesel and electric power (hybrids) are highly desirable.

These appeal to buyers who are concerned about fuel efficiency and running costs without needing a dedicated charger.

Electric Range

For pure EVs, though, the range (how far it can travel on a single charge) is more than a key factor. As a longer range keeps the value high, as your buyers are reassured that the car can handle longer journeys really easily.

The Diesel Question

While modern diesel engines are much cleaner, they have faced heavy negative press for a few reasons, including, for example:

City Zone Impact

Diesel cars used in major cities that are subject to emissions charges (like London's ULEZ) often suffer a bigger value drop compared to those sold in rural areas.

Petrol Stability

Simple, efficient petrol cars generally offer a more stable resale value than diesel, as they are less affected by environmental policy changes.

Geographical Location – Where You Sell Matters

You might actually think a car's value is the same everywhere in the UK, but local regional demand and preferences can actually play a much bigger role than you would at first expect as well.

As here, a car that sells well in London might struggle in the Scottish Highlands, and vice versa, for instance.

City vs. Countryside

The type of car that buyers want changes dramatically based on the area for a number of key reasons, including, for instance:

Inner City Areas

Here, people will tend to want smaller, more reliable cars, often petrol or hybrid, as these are more highly sought after here due to better fuel economy and ease of parking they provide.

Convertibles and small sports cars are also more popular here as well.

Countryside Areas

Buyers in rural locations, though, or places like the Lake District, will then often look for off-road cars (SUVs or 4x4s) that can handle poor weather and rough tracks with ease, where small cars will tend to struggle more.

Local Market Conditions

As a result of this, valuations can shift based on supply and demand in a specific county, and if there's a local shortage of a certain popular model, its resale value can temporarily increase in that area as a result.

However, car dealers and buyers generally use broad market conditions to determine the best price, so extreme regional differences are less common for mainstream cars; on the whole, we should note.

Make, Model, and Brand Reputation – The Power of the Badge

Beyond the car's condition, the ultimate value factor is who built it and what the public thinks of it, AKA: The Brand Reputation and Brand Prestige factor.

Reliability and Popularity

As here some car brands just carry a strong reputation for lasting well, which increases their value regardless of age as a direct result.

Reliability

For instance, car brands known for making reliable cars (often Japanese or certain German models) have lower depreciation rates than cars from other areas of the world.

Here, buyers are just a lot more confident that they won't face high repair bills, which in turn justifies a higher price for them as a result.

Popularity

Cars that are those consumer favourites or are just in high demand will also always hold their value better.

So, if a model is frequently seen on the road, it means buyers trust the manufacturer and model as a result more, normally.

Brand Prestige and Rarity

The badge on the bonnet really does have a direct impact on the perceived quality and value.

For instance, really high-end brands like Porsche or Ferrari, which have high brand equity, will often maintain a high value simply due to the brand prestige, even if their maintenance is expensive.

The Rare Factor

However, for collector or enthusiast cars, brand and rarity can cause values to ignore normal depreciation rules as well, and a rare specification or limited-edition model might be worth significantly more than the standard version as well due to the rarity of this model in the line-up, which is also another point to consider.

Modifications and Add-ons – Do They Improve or Hurt Your Value?

When you change something on your car away from the standard factory specification, you are, in essence, making a modification to it.

While you might think you have improved it, this can either add value or, more commonly, seriously reduce it, depending on the change that you made.

For instance, this is actually do to a number of reasons, such as:

The Problem with Non-Standard Changes

Most buyers and dealers will prefer cars that are exactly as the manufacturer intended, as this is because non-standard parts introduce unknown variables that may be more costly to repair later on.

Substandard Parts

As here modifications often involve using non-genuine parts or completing work that does not meet strict manufacturer standards.

So, if you have replaced a part, make sure you have the receipts to prove it was a quality item, not just the cheapest option.

Insurance Risks

Heavily modified cars often put buyers off because they know it will lead to higher insurance premiums or difficulty getting cover as well.

Negative Impact

Generally, you want to avoid performance upgrades (like engine chipping) or extreme cosmetic changes (like massive spoilers or loud exhausts), as these will significantly narrow your market and potential buyers, meaning that you will, in turn, reduce the value as a direct result.

What Does Add Value? (Optional Extras)

The best kind of "add-ons" are those optional extras fitted by the factory or official dealer, as these are listed on the official specifications and are fully covered by warranties.

For instance, these can tend to include:

Tech Upgrades

Modern infotainment technology like integrated satellite navigation, Apple CarPlay, or Android Auto is highly valued for obvious reasons.

Safety Systems

Desirable features include parking sensors, reverse cameras, or advanced safety systems (like blind-spot monitoring) are as well for the same reasons.

Luxury Features

As are heated seats, full leather upholstery, or a panoramic roof will almost always fetch a premium.

Overall Condition (Interior & Exterior) – Is It Loved or Neglected?

Even if your car has a perfect service history, its physical state - both inside and out - will also hugely affect its value.

This factor then determines a car's immediate appeal and saves the next owner time and money on tidying it up as well.

Exterior Damage

As a result, buyers will tend to conduct a full interior and exterior inspection, looking for signs of neglect or poor repairs.

Here, for instance, what they will look for includes:

Cosmetic Damage

Minor scuffs, dents, deep scratches, or kerbed alloy wheels are all deductions, while getting some repaired might be worth it (especially for major scratches), small marks are usually expected on an older car.

Accident Clues

Buyers will also look closely for inconsistent paint colours or large panel gaps, which can suggest hidden damage or an unreported accident.

This is why a clean, undamaged exterior helps to reassure your buyer about your car's physical condition as well.

The Interior Experience

However, it isn’t just about the outside, it's also about the inside of the car as well, as this is where the buyer spends their time, so its condition is more than key to make sure you have got it as best as you can.

For instance, things that you need to take care of or remove include:

Smoking in Your Car

Smoking leaves a lingering, powerful smell that is incredibly hard to remove. A car with heavy cigarette or pet odours will face a significant price reduction, as many buyers will simply walk away.

Wear and Tear

Look for torn or heavily stained upholstery, broken dash buttons, or damaged trim. These small issues add up in a buyer's mind.

Deep Clean is Key

A professional deep clean (or 'detailing') is one of the cheapest ways to significantly boost your trade-in value and make a strong first impression.

The Cost of Mileage (Wear and Tear)

Mileage is a key indicator of wear and tear, and the biggest value drops happen early in a car's life, for instance, did you know:      

Mileage Landmark Typical Value Loss (Cumulative from New) Notes
First Year 15% to 35% The steepest drop occurs in the first 12 months, and immediately after leaving the showroom.
First 20,000 Miles Approximately 20% to 25% of the original new value is typically lost. The transition from "nearly new" to "used" car status.
First 3 Years (c. 30k miles) 40% to 60% of the original new value is often lost. This is the standard benchmark for assessing future depreciation rates.
Every 10,000 Miles (General Rule) An easy, rough calculation is that a car loses around 20% of its current value for every 20,000-mile bracket it passes (e.g., passing 40k, 60k, 80k). Depreciation slows down significantly after the 60,000-mile mark.

Other Notable Depreciation Facts

With other notable depreciation facts being that:

Colour Impact

While neutral colours like black, grey, and white are most popular, data suggests that more adventurous colours like Green and Orange can hold their value better over a ten-year period.

Engine Type

Current UK trends show that Hybrid cars are retaining their value much better than both pure Petrol / Diesel and pure Electric Vehicles (EVs) over the first three years.

The Wider Market & Timing – Economic and Seasonal Forces To Be Aware Of

Did you know, that your car’s value is actually heavily influenced by factors outside of its paperwork, which can be driven by national and global financial conditions.

The Economy & Interest Rates

General economic uncertainty or high interest rates (which make car finance more expensive) typically reduce the total number of buyers in the market, which can lead to a general softening of used car prices and a lower final valuation as well, so something to be mindful of.

Supply Chain Effects

As well, recent global issues proved that supply chain problems drastically cut the number of new cars available, and certain manufactuers like Jaguar are struggling with production here.

This then creates high demand for used cars, causing their depreciation to slow down or even reverse for a time, until the supply chain recoveres, as a tight supply keeps values firm for a while as well.

Selling with the Seasons

However, the tiem of year you come to sell also matters, as used car demand follows a clear seasonality in the UK, meaning the time of year you sell can directly impact your price.

For example, here is a quick guide to seasonal demand:

                                                                                                                                                         

Season Vehicle Type Peak Demand When to Sell
Spring / Early Summer Convertibles, Sports Cars, Family SUVs (before summer holidays). March to June
Autumn / Winter 4x4s, large SUVs, and vehicles perceived as highly reliable. September to December

Transmission Type and Vehicle Components

The gearbox type you have - be it a manual or automatic - is also increasingly impacting resale values, primarily due to the rise of electric cars (which are all automatic) and a shift in driver preference here as well.

Why Transmission Affects Your Price

For most mainstream used cars in the UK today, the automatic transmission version will sell for a premium and depreciates slower than the manual equivalent ones do, as buyers are satartign to value the ease of driving a lot more, especially in traffic and commutes.

The Manual Niche

The manual gearbox though still holds value well in specific markets, such as enthusiast sports cars or very small, cheap city cars where buyers will tend to prioritise lower running cost and engagement a lot more.

Parts: OEM vs. Aftermarket

When proving the maintenance of your car, the origin of the parts used is key to buyer confidence.

Genuine Parts (OEM)

Dealers that use OEM (Original Equipment Manufacturer) parts, are the parts made by or for the original make and model manufacturer.

Aftermarket Parts

Repairs using aftermarket parts (made by third-party companies) or non-genuine components are cheaper but reduce buyer confidence unless accompanied by comprehensive warranty and fitting documentation.

End-of-Life Categories and Hidden Damage

You also need to be prepared to answer questions about any past damage, especially if it was serious enough to involve an insurance claim.

As a result, several areas to consider here can include:

Insurance Categories & Damage

Cars declared a Cat S (Structural damage) or Cat N (Non-structural damage) by an insurer and subsequently repaired must be declared, and buyers are particularly wary of structural damage as it affects the car's safety rating.

The 'Scrap' Threshold

If a car's repair cost will also exceed a certain percentage of its market value, the insurer will tend to  declare it a write-off as well.

So, if the car is too damaged to be repaired safely, it is sent for scrap (Category A/B) or sold through scrappage schemes as well.

   

Valuation Integration Overall

   

A professional car valuation company, like ours, heavily factors things above, and especially the service history, into the final price.

For instance:

  • On a prestigious car, missing FMH is a major deduction.
  •        
  • On an older run-around, missing FSH is still noted but less severe.

So, by understanding these principles, you can take control of your sale and confidently present your car as a well-cared-for asset, not a risk.

Your Final Seller’s Checklist

  1. Is the V5C (Logbook) and current MOT certificate ready?
  2.        
  3. Is the Service Book stamped up to date (or do you have the DSR printout)?
  4.        
  5. Is your folder of high-value repair receipts organised chronologically?
  6.        
  7. Is the car clean and the records ready before you get a valuation?

Ready to see how your meticulous record-keeping impacts your vehicle's true worth? Get your instant, accurate car valuation today.

Final Thoughts on What Affects Your Car’s Value

Ultimately, as you can see, things such as your service history really are not just an optional extra; it's a financial guarantee for the next owner.

So, being meticulous and gathering and presenting your Service Book, MOT history, and high-value invoices, along with other things, allows you to transform your car from a risky purchase into a well-documented, reliable asset.

All in all, this level of transparency will really help you to eliminate any buyer hesitation and remove the dealer’s primary reason to chip away at your asking price as well.

So, take confidence knowing you have done everything possible to showcase your car's true worth.

Got a Car to Sell?

If you are looking to get a valuation or sell your car for a fair price, contact our expert team today, and they will be able to help you.

If you liked our guide on whether it's worth repairing your car before you sell it, then you may like some of our other latest news and guides about car selling as well.

For example, some of these are, for instance:

 

Who is Cotswolds Car Buyers?

Here at Cotswold Car Buyers, we are a division of the Cotswold Motor Group. This privately owned business was established in 1995 and is classed as an FCA-regulated car and automotive finance company.

We also specialise in purchasing vehicles from all brands, offering you competitive and higher prices than you would think, with a hassle-free experience in a safe way. Our experienced buyers are happy to come to you to facilitate the sale of your vehicle as well.

We have recently opened a new facility called Cotswold Group Select, situated in Tewkesbury, and our friendly, helpful team of buyers can work tirelessly to provide you with a best-in-class service with a customer-first culture as well.

Cotswold Motor Group

Cotswold Motor Group 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 Cotswold Motor Group 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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