I plan on putting down a 20-30% deposit.
There are plenty about, most are fixed for 2 years, HSBC are offering 1.48% at I think it was 50% LTV or 60%, but nationwide offer 1.99% for 70% LTV which is who il be going with as there my building society/bank, also first time buyers/long customers there also get a reduced setup fee, its normally £1000, but its £400
see what different banks have to offer but imo nationwide are a good bet
Also it will be cheaper than this
as im doing it over a 40 year period
(im 23) so il just save up each year and pay capital lump sums off, think the contract is 10% of the initial buy price
Works out at £318 (keep the car) or £239 (sell it and buy another in spring time) :-/