£40-50k.4wd.fast.4/5 seater at bottom of depreciation curve?

£40-50k.4wd.fast.4/5 seater at bottom of depreciation curve?

Author
Discussion

Z4MCSL

Original Poster:

548 posts

90 months

Saturday 3rd February
quotequote all
Is this possible?

I have been lucky with my car purchases to date and most have retained most or all of their value (that is NOT to say they have been cheap to look after!?!?)

I am considering a bit of a fleet downsize but when I start looking at cars over £40k they all seem to look like they will be taking a decent depreciation hit.

This started after having bought an f10 M5 at the end of last year. I love it, but it is a lot of power through the rear wheels. Mrs Z4MCSL and I recently did a trip to the alps and in the end decided to put winter tires on her TTS rather than on my M5 (It was actually a mega little car in the snow and ice smile and took a pair of 184cm skis no issue smile

I therefore started looking at F90 M5s and I would be really keen but the lowest used approved prices are around £42-45k and I cant help but feel they are going to depreciate.

Any thoughts, ideas, suggestions?

Ideally I want a 4 door and not a coupe and I want it to be comfortable. 4wd rules out a lot of more "classic" cars in any case too

ABMA

121 posts

27 months

Saturday 3rd February
quotequote all
The F90 M5 is a very capable car especially with the AWD.
But I would imagine they still have more depreciation to go; look where the F10 M5s are and I believe the F90s will follow them (might be few more grands).

fflump

1,758 posts

45 months

Saturday 3rd February
quotequote all
Z4MCSL said:
Is this possible?

I have been lucky with my car purchases to date and most have retained most or all of their value (that is NOT to say they have been cheap to look after!?!?)

I am considering a bit of a fleet downsize but when I start looking at cars over £40k they all seem to look like they will be taking a decent depreciation hit.

This started after having bought an f10 M5 at the end of last year. I love it, but it is a lot of power through the rear wheels. Mrs Z4MCSL and I recently did a trip to the alps and in the end decided to put winter tires on her TTS rather than on my M5 (It was actually a mega little car in the snow and ice smile and took a pair of 184cm skis no issue smile

I therefore started looking at F90 M5s and I would be really keen but the lowest used approved prices are around £42-45k and I cant help but feel they are going to depreciate.

Any thoughts, ideas, suggestions?

Ideally I want a 4 door and not a coupe and I want it to be comfortable. 4wd rules out a lot of more "classic" cars in any case too
Anything used/approved is going to lose a chunk of money simply driving off the forecourt. Anything 5 years old (your F90s will be around 2018/19 I guess) will likely still be depreciating and in the F90's case follow a similar trajectory as previous M5s.

The answer is to go for an older car. An 8/9 year old car will be at a shallower part of the depreciation curve. Buying private will eliminate the dealer premium. A gen2 Flying Spur seems to fit your brief of fast 4-door 5 seater with AWD.

-not depreciation proof but at a shallower part of the curve than an F90. Buy private you'll not lose much over 2-3 yrs.

bencollins4

1,141 posts

213 months

Saturday 3rd February
quotequote all
Z4MCSL said:
Is this possible?

I have been lucky with my car purchases to date and most have retained most or all of their value (that is NOT to say they have been cheap to look after!?!?)

I am considering a bit of a fleet downsize but when I start looking at cars over £40k they all seem to look like they will be taking a decent depreciation hit.

This started after having bought an f10 M5 at the end of last year. I love it, but it is a lot of power through the rear wheels. Mrs Z4MCSL and I recently did a trip to the alps and in the end decided to put winter tires on her TTS rather than on my M5 (It was actually a mega little car in the snow and ice smile and took a pair of 184cm skis no issue smile

I therefore started looking at F90 M5s and I would be really keen but the lowest used approved prices are around £42-45k and I cant help but feel they are going to depreciate.

Any thoughts, ideas, suggestions?

Ideally I want a 4 door and not a coupe and I want it to be comfortable. 4wd rules out a lot of more "classic" cars in any case too
In general, more practical performance cars depreciate, they just do. As said above, decent F10’s can be had for less than £20k and they are still depreciating, so there’s nothing to suggest the F90 would be any different. What else have you got? B10 RS4, the latest RS6 from ‘14 on (don’t know model number) or a C43, maybe? They’ll all deprecate down to sub £20k at some point, though.

The only way round it is to spend less and buy older, meaning less up to date tech and higher maintenance costs.

DKL

4,623 posts

229 months

Saturday 3rd February
quotequote all
The 4wd bit limits it but a Bentley GT or similar maybe. Without the 4wd Aston Martin Rapides can't get much cheaper than the 30K they seem to start at now. Even DB7s aren't much cheaper. A Maserati Granturismo in 4.7 guise would work too but they are still going down into the teens now however these aren't exactly cared for examples.

vanman1936

799 posts

226 months

Saturday 3rd February
quotequote all
Alfa Stelvio, epic machine

fflump

1,758 posts

45 months

Saturday 3rd February
quotequote all
vanman1936 said:
Alfa Stelvio, epic machine
Presume you mean the QF version rather than all Stelvios? I wasn’t aware they were depreciation proof?

GT03ROB

13,567 posts

228 months

Saturday 3rd February
quotequote all
I think you will struggle to find anything with those criteria at that price point that will be at the bottom of the depreciation curve. You can certainly find some stuff thats cost previous owners a tonne in depreciation at that point, but even those will have a way to go.

SFTWend

1,035 posts

82 months

Saturday 3rd February
quotequote all
fflump said:
Anything used/approved is going to lose a chunk of money simply driving off the forecourt. Anything 5 years old (your F90s will be around 2018/19 I guess) will likely still be depreciating and in the F90's case follow a similar trajectory as previous M5s.

The answer is to go for an older car. An 8/9 year old car will be at a shallower part of the depreciation curve. Buying private will eliminate the dealer premium. A gen2 Flying Spur seems to fit your brief of fast 4-door 5 seater with AWD.

-not depreciation proof but at a shallower part of the curve than an F90. Buy private you'll not lose much over 2-3 yrs.
I think the only way to avoid heavy depreciation of a fairly new car is to go for a special or limited run model, but I can't think of any such cars fitting the OPs criteria.

Unfortunately the most expensive used cars at the moment tend to be those from private sellers.

I'm in the "can't be done" camp, especially as used cars are now depreciating from a COVID high.


Edited by SFTWend on Saturday 3rd February 19:02

ZX10R NIN

28,365 posts

132 months

Saturday 3rd February
quotequote all
I'd say spend around 20 on an S6 & you're sorted also if it's not quick enough a remap will see you right:

https://www.autotrader.co.uk/car-details/202401265...

https://www.autotrader.co.uk/car-details/202306278...

https://www.autotrader.co.uk/car-details/202311164...

vanman1936

799 posts

226 months

Sunday 4th February
quotequote all
fflump said:
vanman1936 said:
Alfa Stelvio, epic machine
Presume you mean the QF version rather than all Stelvios? I wasn’t aware they were depreciation proof?
Yes indeed. Depreciation proof, no, but you won’t be losing much more than £3K pa on an earlier one.

Almost all fast / big cars lose some money at this price point, just a case of minimising. F90s definitely still sliding, £££ to insure now.

Also had a Porsche panamera turbo s a while back, prices have barely moved in last 3 years. RS6s seem fairly stable.