Motorhous Buyers Guide

Our step by step guide to buying your next used vehicle from Motorhous

Browse Our Used Stock

We have a wide variety of vehicle makes and models to suit any budget or requirement. Many of our used vehicles come with the remainder of the original manufacturer’s warranties for complete peace of mind. For our vehicles that are no longer covered by the manufacturer's warranty, we have our own Crystal Clear 3-month warranty which covers a many of the vehicle's most expensive parts and helps give our customers that piece of mind if the worst was to ever happen.

Reserve Your Vehicle

You can secure any of our vehicles for just £99, payable through our website using a secure payment gateway or directly with our sales team via phone or in person by card. This fully refundable reservation fee ensures you can hold the vehicle for up to 5 days, or longer if required, and guarantees a hassle-free refund should you decide not to proceed with the purchase.

Part Exchange Welcome

If you have a vehicle to trade in as part of your purchase, we can provide a competitive valuation. This amount can then be applied to lower the overall cost of the vehicle you wish to buy.

Finance at Motorhous

IF IT'S A PCP, CS, OR HP WE CAN TAILOR OUR FINANCE TO SUIT YOU.

At Motorhous, we recognise that choosing the right finance option can be a challenging decision. That’s why our fully trained and regulated sales executives are always ready to assist, ensuring you’re in trustworthy and capable hands.

Finance Soft Check (Free)

By using our finance soft check you will be able to see the likelihood of approval for our finance products without affecting your credit score.

Financing Your Vehicle

There are multiple ways to finance a new vehicle which include:

Buying outright – Paying for the vehicle in cash so there are no monthly payments and you will own the vehicle outright from the beginning.

Finance – There are many types of finance available through our trusted lenders all of which have different terms and conditions and result in a monthly payment that helps spread the cost (please see finance options explained below).

All of these options can be either carried out in the showroom by our trained sales executives or in the comfort of your own home using our interactive finance calculator where our customers can set the length of the contract, deposit, and monthly payment.

Finance Jargon Buster

Personal Contract Purchase (PCP) is an increasingly popular choice for car finance. It offers the best in flexibility at the end of the agreement, together with low, fixed monthly payments.

PCP is perfect if you are opting out of your company car scheme. Your company car allowance can fund your monthly payments, but there is no company car tax to pay.

At the beginning of the agreement, your car's guaranteed future value is calculated, based on an agreed mileage and age. This is deferred as a final 'balloon' payment.

With PCP you don't have to commit to buying the car at the outset. You use it for an agreed period of time (24-48 months) and then decide at the end of this period what you would like to do. Choosing to pay for your vehicle this way often means you can drive a higher-specification vehicle for a lower monthly payment.

  • You have four options:
  • Buy the car by paying an agreed minimum residual value
  • Part-exchange the vehicle for another
  • Sell the vehicle privately (settling the balloon)
  • Or, subject to mileage and condition, return the car with nothing more to pay (e.g. if depreciation resulted in negative equity)

The benefits of Personal Contract Purchase

  • Low risk - A minimum future value is guaranteed
  • Low deposit - keeps valuable personal or business cash available
  • Low fixed monthly payments - perfect for budgeting
  • Choice - Buy the car, part-exchange it or just return it
  • A better car - lower payments can help you choose a higher-specification car
  • Tax advantage - the cash alternative when you opt out of a company car scheme is not subject to company car tax
  • VAT free - no VAT on your payments

If you choose to buy a vehicle under Hire Purchase (HP) you enter a contract where you would pay for the vehicle in parts. This is calculated by the value of the vehicle along with the interest added and divided into pre-determined amounts. It is different from a traditional loan, this is because you do not own the vehicle until the loan has been paid off. The debt is secured against the vehicle, this means you are not allowed to sell it until the debt has been cleared.

This means you are borrowing money for the vehicle and the loan is secured against it. When you have paid all the finance owed, the car is yours.

Is it suitable for you? HP car finance would be a suitable option for you when you know you’ll be keeping the vehicle for a while.

The benefits of Hire Purchase

  • ​Low deposit - keeps valuable personal or business cash available
  • Control - you decide the deposit, you decide the term
  • Fixed monthly payment - makes budgeting simple
  • Flexibility - doesn't compromise your other lines of credit
  • Assets - you gain ownership of the car
  • Tax benefits - Tax allowances for business users
  • VAT free - no VAT on payments

Conditional sale is similar to hire purchase. The agreement usually includes the condition that the goods don't belong to you until you've paid the final installment and the lender may be able to repossess (take back) the goods if you fall behind with payments.

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