VARIABLE RATE OPTIONS

With Variable Rate Options, we can link your interest to a base rate with a Balanced Payment Plan, or charge interest on the reducing capital balance with a Day To Day facility. Speak to our dedicated, team of experts to get advice on the best financial package for you.

BALANCED PAYMENT PLANS

With a Balanced Payments plan, the interest, rather than being fixed for the term of the agreement is linked to a base rate, usually 1 month LIBOR. The monthly repayments are set at the outset for ease of budgeting based on an assumed base rate and will not change. Any adjustment required because of any changes in base rate throughout the term are made at the close of the agreement.

DAY TO DAY INTEREST

With a Day to Day facility, interest is charged on the reducing capital balance. The repayments on the day to day option will change each month as the balance reduces and any changes in base rate are made immediately. As with the Balanced Payments Plan the base rate used is usually 1 month LIBOR.

Please note both variable facilities are only available for either, high net worth individuals, where the vehicle is being used predominantly for business use or for limited companies. More details available on request.

Hire purchase is a simple, straightforward way to allow you to spread the cost of buying your new car.

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We offer our clients a range of equity release schemes whereby you can borrow against the value of one of your current vehicles.

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A Balloon Payment can often be built into the agreement to bring down the monthly payments.

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A Finance Lease allows use of the vehicle whilst paying a rental rather than a repayment.

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