Estate- 40k to spend

I'd doubt you will get PCP on a 4 or 5 year old car, generally it's on new or nearly new cars.

At only 12k km per year I'd say away from diesel. Petrol cars in that segment are rare which leaves you with petrol hybrids. BMW 5 series touring only available as a PHEV with the facelift in 2020. A6 Avant I don't think is available in PHEV, Volvo V90 only available in diesel so E Class PHEV maybe only real option with a large boot but finding one for 40k could be tricky.

Ok, I get what your asking now. PCP rates are still pretty high especially on new premium stuff but you would have to do the maths on the deals versus a regular loan on a 4 or 5 year old car.

Low mileage cars can make alot of sense as long as they still have had regular maintenance irrespective of the low mileage.

V90 T8 and T6 are phev’s and uniquely don’t have a smaller boot versus the diesels. Strongly recommend one over a diese Merc E class or 5 series and around since 2019 so should be in budget if you can find one

If the one in the north is this one, then yeah you’ll be stung for VAT and Duty.

https://www.autotrader.co.uk/car-details/202402166637776?sort=price-asc&advertising-location=at_cars&fuel-type=Petrol%20Plug-in%20Hybrid&make=Volvo&model=V90&postcode=N87ex&year-from=2021&fromsra

If you want to take a day trip, you can buy in the UK as long as you find a VAT qualifying one - buying a 2021 or newer and you’ll only have the VRT to pay - plus cheaper to buy, this might be one. Should land it for 20k less than the Spirit one

https://www.autotrader.co.uk/car-details/202402136523015?sort=price-asc&advertising-location=at_cars&fuel-type=Petrol%20Plug-in%20Hybrid&make=Volvo&model=V90&postcode=N87ex&year-from=2021&fromsra

That said it’s interesting only one for sale here, owners must like them and not trade them.

That V60 is on mainland UK plates:

You need to check with the dealer how long it's been in NI. It's listed on the UK MOT website which suggests that it's only recently come into NI probably brought in by the dealer. Normally cars registered in NI would not show on the UK MOT website as the NI MOT is totally different system.

It would need to be registered in NI prior to Brexit or from birth to avoid VAT and customs duty down here on top of VRT.

€40k would get you into a reasonable 520d G31, plenty are around €42-44k so a deal to be done.

This one could be bought for €35/6 I'd say - https://www.carzone.ie/used-cars/bmw/5-series/fpa/202307280157576

As you’ve said, It’s probably a hard ask to find a petrol touring and decent PHEVs are €45-50k+ so it’s likely to be a diesel.

tbh, it’s gonna be like Mad Max around here in a few years with talks of “last of the 520d’s” in high demand

Why offer it for sale if you'd prefer to trade instead?

My first estate was a 14 month old E220 (Premium Plus) back in 2018 (2017 car). Absolutely love it, no intention of changing. If I were to change it, it would be for a newer one (don't see the point in that, not a reg snob).

No hybrid / electric nonsense. Had to have the Nox sensors replaced (warranty) and had to throw in some adblue cleaner as wasn't driving it long / hard enough (now go on a weekly long drive, drive hard to warm up).

Can see the Golf R being as sought after future classic as Cosworth Sierra’s are today, great car

It's a UK reg so still VAT and duty required.

On a side note, what is with the photoshopped picture on this ad!? The ones in-front of the grey background are clearly photoshopped (the light on the car doesn't come close to matching the backround) and I'm just not sure why they would be bothered!

They very expensive in that spec. . Its 4 years old

What did you go for in the end?