Where would you go next...

MarkN · 11-03-2017 8:56pm

carsfan2 wrote: »

Does the 640 feel like a big jump from your own 635?

It's more luxurious, refined, bit more wow factor about it I suppose. Power delivery is not as blunt, it's a more controlled 'waft' if you get me. It's a big jump in repayments too though.

bazz26 · 11-03-2017 9:09pm

Does an XF do anything for you Mark?

media?xwm=y&id=d1b67a25-a4ff-488d-b826-f333c336461e&width=400&height=300

http://www.driving.ie/used-cars/Jaguar/XF/3.0D-V6/3673832321737039484/

bf · 11-03-2017 10:08pm

I'd be wary of the PCP on the new 5 series, the GMFV on them is ridiculous at about €26k meaning there will only be minimal equity in them in 3 years.

I was looking at 6 Gran Coupes & A7 as well recently - it is really a preference thing. Broadly speaking for the same money you will get a year or two newer A7.

This is cheap for an A7 but only an SE http://www.autotrader.co.uk/classified/advert/201702072092544?advertising-location=at_cars&onesearchad=Used&onesearchad=Nearly%20New&onesearchad=New&model=A7&make=AUDI&radius=1500&postcode=e153ar&sort=price-asc&year-from=2015&page=1

MarkN · 12-03-2017 12:20am

If I was gonna go 5 series I'd use the 4K contribution as the only deposit and have higher repayments. Safest way I can see not being stung in 3 years with BMWs GFV.

XF, boss has one. For that reason alone....

carsfan2 · 12-03-2017 12:52am

You still get to the same gfv regardless of how much you put in at the start.
Smaller deposit just means more interest as more borrowed. Minimum would be 10% so you would need to add 1/1.5k for a 55 grand car.
Is the Apr not really high too 7 or 8 per cent?

On the other hand I suppose you gave a brand new car with warranty and service looked after compared to a 5 year old that potentially could expose you to higher running costs.

MarkN · 12-03-2017 1:07am

carsfan2 wrote: »

You still get to the same gfv regardless of how much you put in at the start.
Smaller deposit just means more interest as more borrowed. Minimum would be 10% so you would need to add 1/1.5k for a 55 grand car.
Is the Apr not really high too 7 or 8 per cent?

On the other hand I suppose you gave a brand new car with warranty and service looked after compared to a 5 year old that potentially could expose you to higher running costs.

The APR seems mad alright considering what some of the competitors are doing. You can go out and buy a more than capable brand new Golf GTI at 1.9% with €2,000 contribution. More fun than a 520d too.

At least with a low deposit / higher payments you're not chasing equity at the end.

Colm Quinn have what looks to be a lower mileage similar car to the one I looked at today. It's retailing higher but they would hopefully be able to do a similar cost of change with BMW warranty etc etc - maybe I'm just being overly optimistic

bazz26 · 12-03-2017 2:54pm

bf wrote: »

I'd be wary of the PCP on the new 5 series, the GMFV on them is ridiculous at about €26k meaning there will only be minimal equity in them in 3 years.

I was looking at 6 Gran Coupes & A7 as well recently - it is really a preference thing. Broadly speaking for the same money you will get a year or two newer A7.

This is cheap for an A7 but only an SE http://www.autotrader.co.uk/classified/advert/201702072092544?advertising-location=at_cars&onesearchad=Used&onesearchad=Nearly%20New&onesearchad=New&model=A7&make=AUDI&radius=1500&postcode=e153ar&sort=price-asc&year-from=2015&page=1

It's cheaper too because it's a non Quattro version. Those A7's are very nose heavy, the weight of the v6 engine and front wheel drive make them not nice very nice to drive. The Quattro version is the way to go.

carsfan2 · 12-03-2017 6:04pm

I think A7 Quattro in grey with black pack is a fab looking car but the physical size of both it and the 6 series put me off as they must be difficult to park and on country roads feel their size.

What are the payments on the 520d mark?

MarkN · 12-03-2017 8:51pm

carsfan2 wrote: »

I think A7 Quattro in grey with black pack is a fab looking car but the physical size of both it and the 6 series put me off as they must be difficult to park and on country roads feel their size.

What are the payments on the 520d mark?

With just the 4,000 contribution €799 per month. A lot of money especially when you get the wheels wrong

Wailin · 12-03-2017 9:06pm

Love those 6 series...wouldnt be practical for me though...need the touring. What's the difference in the 635d and 640d? I would have presumed the same 313hp lump in the 535d would be the highest powered diesel in the bmw range (apart from the 550d which is not available here or uk).

MarkN · 12-03-2017 9:23pm

Wailin wrote: »

Love those 6 series...wouldnt be practical for me though...need the touring. What's the difference in the 635d and 640d? I would have presumed the same 313hp lump in the 535d would be the highest powered diesel in the bmw range (apart from the 550d which is not available here or uk).

286bhp V 313hp. Can't say the F13 feels any faster to be honest but it's a much more refined car.

carsfan2 · 12-03-2017 10:10pm

799 per month means you put nothing in yourself up front?

MarkN · 12-03-2017 10:39pm

carsfan2 wrote: »

799 per month means you put nothing in yourself up front?

4K contribution but none of my money, no.

carsfan2 · 12-03-2017 11:11pm

So 28.5k over 3 years.
Depending on gfv you could effectively be leasing it for that amount or if there was 7/8 k in equity at the end it's not the worst picture I.e. 20 k loss over 3 years.

640d will be a more expensive car to run on a daily basis I imagine.

MarkN · 13-03-2017 9:18pm

So I drove the 330e today. Nothing whatsoever wrong with the power of it.

However... my 9 year old car is a nicer place to be. Couldn't spend that money every month and be missing things like electric memory seats, xenons, etc etc it's also an awful lot narrower.

The massive 11k contribution is great but it's a bit of a grey area in 3 years time. How much equity will a 330e owner be chasing?!? No doubt there will be more grants available but there's still potential to be stung for more deposit.

Finance guy in M&G confirmed BMW don't allow the plans to be set up with a view to having bucket loads of equity in the car at the end of the term. They're also one of a few brands that allow you put no deposit in if you want higher repayments and less of a surprise at the end of the term as regards repayment changes.

Having spent more time around the 5 series I really like it. 530e will be a really interesting one.

I'm really at a loss as to where to go, that 640d is a beautiful, beautiful car but I could have a brand new 5 series for similar money. Space grey, oyster leather, 19s. Then there's the Golf GTI. I'm a tormented man.

bazz26 · 13-03-2017 9:31pm

Left field suggestion, Mercedes CLS:

media?xwm=y&id=638852ab-adcf-41c9-9549-5c32e6b8efdc&width=400&height=300

http://www.driving.ie/used-cars/Mercedes-Benz/CLS-Class/350-CDI/6927766522610567202/

media?xwm=y&id=c55508bb-8a69-470b-a8ff-77053a8c0a04&width=400&height=300

media?xwm=y&id=c55508bb-8a69-470b-a8ff-77053a8c0a04&width=400&height=300

http://www.driving.ie/used-cars/Mercedes-Benz/CLS-Class/CLS350-Cdi/7245619864762738239/

carsfan2 · 13-03-2017 9:57pm

Why are you changing from the 635d in the first place?
Seems to do all you require?
It's a great car and certainly won't lose value like a new car will.

James Bond Junior · 13-03-2017 10:31pm

Would you go for something down the country? It seems to have more options than your average like with the variable dampers etc

http://m.m6motors.ie/viewanad.php?ad_id=1656424

Theboinkmaster · 14-03-2017 4:54pm

MarkN wrote: »

I'm really at a loss as to where to go, that 640d is a beautiful, beautiful car but I could have a brand new 5 series for similar money. Space grey, oyster leather, 19s. Then there's the Golf GTI. I'm a tormented man.

Out of the 330e, 530e, 640d and GTI I'd have that 640d any day of the week.

Much rarer car, better fun to drive and gorgeous looking IMO.

carsfan2 · 14-03-2017 5:18pm

Theboinkmaster wrote: »

Out of the 330e, 530e, 640d and GTI I'd have that 640d any day of the week.

Much rarer car, better fun to drive and gorgeous looking IMO.

Have to agree with this, but if it doesn't feel a big step up from your 635d why bother?

On the other hand.
I read on another thread Audi are doing zero finance on used cars.
Maybe good time to try an A7 for something different?

MarkN · 14-03-2017 7:01pm

carsfan2 wrote: »

Have to agree with this, but if it doesn't feel a big step up from your 635d why bother?

On the other hand.
I read on another thread Audi are doing zero finance on used cars.
Maybe good time to try an A7 for something different?

F13 does feel like an upgrade, don't get me wrong. But the upgrade is in technology, style, interior etc not necessarily the engine.

Why change as you said, I suppose I just get itchy after a year or so with a car. Can't give any logical reason at all

Interesting about the A7 and 0%

Zurbaran · 14-03-2017 11:22pm

MarkN wrote: »

I'm really at a loss as to where to go, that 640d is a beautiful, beautiful car but I could have a brand new 5 series for similar money. Space grey, oyster leather, 19s. Then there's the Golf GTI. I'm a tormented man.

Would you consider the Alfa Giulia Veloce? Not sure if it's available here yet but it's on the uk website so I assume it can be bought here.

MarkN · 16-03-2017 6:39pm

Zurbaran wrote: »

Would you consider the Alfa Giulia Veloce? Not sure if it's available here yet but it's on the uk website so I assume it can be bought here.

Lovely looking car, saw one today actually but I've had one Alfa, that was enough.

Working out the cost of a factory order GTI at the moment.

Colm Quinn obviously don't want to shift those 640D's, rang yesterday, "someone will ring you back in 10 mins".... still waiting!!

carsfan2 · 16-03-2017 9:38pm

MarkN wrote: »

Lovely looking car, saw one today actually but I've had one Alfa, that was enough.

Working out the cost of a factory order GTI at the moment.

Colm Quinn obviously don't want to shift those 640D's, rang yesterday, "someone will ring you back in 10 mins".... still waiting!!

Those bmw dealers must be run off their feet.
I went from gti pp to bmw 330e.
Golf is great but after the 635d I can't see it satisfying you for long. It didn't for me anyway.
The finish on the golf is mass market high quality ok. A car built for a market 20 to 50 k but the 6 series is a 100k car.
Different level.

vintagevrs · 16-03-2017 11:40pm

Would have to agree with the above. New car smell won't last long and you'll want something else before long. It'll take a big hit being a new car then too.

MarkN · 18-03-2017 6:32pm

Feels like you all know me so well here with your replies

This did catch my eye the other day.

http://www.carzone.ie/used-cars/bmw/5-series/used-2015-151-983571983515-dublin-fpa-2078051343354152963

They'd want to be giving me good money for mine and by good I mean €18-19,000.

drunkmonkey · 18-03-2017 6:57pm

I'd leave it there, no electric mirrors. Not sure I can see the button to take it
out of sport mode either, she's short a few cylinders as well.

James Bond Junior · 18-03-2017 8:38pm

For that money would you not get a 640d that has been nicely run in. If a 635d is causing you an itch after a year, what's a 520d going to do to improve things?

bazz26 · 19-03-2017 12:29am

Mark I cannot see you being happy with the performance of a 520d coming from a 635d once the new car novelty wears off.

This guy has a 530d for a few grand more which would be more palatable coming from a 635d, might be worth giving him a ring. He is the brother of the BMW dealer in Galway/Athlone afaik and seems to get some nice metal into stock so might give you a decent trade-in for the 635d.

http://www.quinncarsales.ie/vehicles/bmw/5%20series/galway/1674181

MarkN · 19-03-2017 2:06am

Sounds interesting. Will call Monday and ask for a few pictures.

TBH, I'm conscious of the power loss but aware that an awful lot of cars won't have the torque especially that I'm used to. I'm open minded enough, if M&G could've made numbers work on a G30 and they really tried, I would've taken a 520d in a heartbeat. Getting trickier lifting the baby in and out of the 6 too.

The most logical change to satisfy me is an F13, it's not proving too easy. I need to sink 2-3,000 cash into my car to make it viable with a specialist, a main dealer didn't return a call on one (I'm not gonna beg them to take 40 odd grand off me), the UK is appealing for one but again I need mine gone. A few months down the line would suit me better to be doing that option. There's also the possibility of €20,000 depreciation in two years on one. Everything depreciates and no car I buy will be immune but that kind of unknown space has me considering things like a Golf GTI on PCP. 4 doors, cheap money, fun car, very cheap to run for me (barely do 10 thou kms a year). Is diesel going to be very frowned upon amongst the public in 2/3 years time making these types of cars lose even more money. Maybe I'm over thinking it!

There's little wrong with my car, I wish it had a few more of the gadgets modern cars have these days like Bluetooth audio streaming and some more up to date safety features to bring the cost of insuring it down etc but if push comes to shove I've no issue holding onto it for another year.

drunkmonkey · 19-03-2017 7:51am

MarkN wrote: »

Getting trickier lifting the baby in and out of the 6 too.

The 5 series isn't a whole lot better, it's pretty low and not a huge amount of space, packing for a weekend away is a challenge. I've a 1 and 2yr old, the 2yr old sits behind me and is now well able to kick my seat. Not sure how much longer I'm going to get out of the 530.
Looking at this offer just thinking how much easier it would make life http://landrover.ie/rule-the-roads

carsfan2 · 19-03-2017 11:41am

If you want more practicality and a bit of performance relatively cheap, how about skoda Octavia combi vrs?
Same drive train as golf gti, more practical and good offers around on finance. A good pcp bet too as they retain value well.
There is also a seat cupra estate too and 0% finance available I think.
They're not at all 6 series equivalent but if you want a mix of performance and practicality without losing your shirt in depreciation they might be good bets.

MarkN · 19-03-2017 1:47pm

I bought two seats that turn 360 degrees mainly because of my 2 door but also, they just making things easier so the height of a 5 series doesn't bother me it's the stretching and stepping into the car, child is 2 1/2 now so getting heavier to lift etc - it's not a deal breaker though.

Was out walking earlier and I saw a 171 black GTI, looked really well in 4 door, I think the interior of them is a nice place to be too but the Skoda and even more so Seat interiors, just don't cut it in my opinion. I'm 10 years in BMWs now so I've no problem admitting I'm a fussy so and so.

carsfan2 · 19-03-2017 1:56pm

Have to agree re skoda and Seat interior but thought I would throw it out there.
I wouldn't be keen on one.
Sounds like M and G were good to deal with re 5 series. What deal did they offer in the end?

MarkN · 19-03-2017 2:19pm

carsfan2 wrote: »

Have to agree re skoda and Seat interior but thought I would throw it out there.
I wouldn't be keen on one.
Sounds like M and G were good to deal with re 5 series. What deal did they offer in the end?

Appreciate all the suggestions none the less. Cupra estate is a good looking car.

M&G cut the APR rate for me twice, offered nearly 17k for mine, €5,000 in total off the 520 (I'd be confident there would've been €6,000 if I held out my hand) and would've had a space grey with a lovely navy leather interior M-Sport ready to go by late last week, this week. They were going to write me a cheque for the balance on my car (what I owe is a normal BOI loan) and I wouldn't have had to put any of my own cash up front but the monthly was €900+. Even still, I was so tempted, the idea of a brand new model, all the gadgets, hardly any of them on the road yet etc but with responsibilities of childcare, needing to be more generous with my pension etc I needed to think with my head. It's easy to lose the run of yourself when it comes to the idea of a brand new car.

Whether they'll continue the 4k contribution for 2017 is unknown but if I ordered a GTI, I'll need 10% saved. If BMW continue with the 4k and I save 4k myself (which I'd be doing anyway for a GTI) that would make the 5 series doable for me I'd say. Every thousand euro is basically €25-30 per month.

carsfan2 · 19-03-2017 2:46pm

I did not think the dealer could change Apr rates offered by bmw.
7.8 as what then new 5 is I thought.
What was final Apr?

MarkN · 21-03-2017 8:09pm

So I rang that BMW dealer with a few 640d models in stock. Again.

Gave details on my car, emailed pics. No email back to say thanks for sending etc and tomorrow will be into day three of no further call. Unreal.

bazz26 · 21-03-2017 9:35pm

You would imagine with such poor sales in the first few months of the year they would be eager to talk but maybe they are only interested in selling new cars by which they seem to be only measured by these days. I'll bet they will ring you back in a month or two on a rainy day when the showroom is empty again.

carsfan2 · 21-03-2017 10:12pm

There's a thread on Bimmerpost at the moment where a chap from Donegal drove down 4 hours yesterday to pick up his newly ordered 5 series from that dealer.
While the genius was bringing him through the car they discovered no nav installed. After a few hours of waiting with the dealer trying to set it up they eventually sent him back to Donegal in their demonstrator with a promise to send it up in a few days.
What should have been a great day for him was ruined. If I had paid 55k and driven 4 hours to the dealer I don't think I would be very understanding.

MarkN · 21-03-2017 11:42pm

Interesting. If they do ring me back I'm gonna ask him out straight does he normally let leads wait several days on cars.

I see the two 640d cars in Howth have dropped by €2,000 each.

166man · 22-03-2017 1:19am

carsfan2 wrote: »

There's a thread on Bimmerpost at the moment where a chap from Donegal drove down 4 hours yesterday to pick up his newly ordered 5 series from that dealer.
While the genius was bringing him through the car they discovered no nav installed. After a few hours of waiting with the dealer trying to set it up they eventually sent him back to Donegal in their demonstrator with a promise to send it up in a few days.
What should have been a great day for him was ruined. If I had paid 55k and driven 4 hours to the dealer I don't think I would be very understanding.

Whilst it is an inconvenience no doubt especially on a €55k car, what else were the dealer supposed to do in that situation? Of course they could have realised the error beforehand and not made him drive from Donegal but it seems like they dealt with it well, so far.

Idbatterim · 22-03-2017 1:48am

Are you hell bent on staying with BMW mark? Would you consider the likes of the below? I've a feeling all the cars you are looking at, will lose a fair whack in depreciation over the next few years...

http://www.autotrader.co.uk/classified/advert/201611300211658?year-from=2012&co2-emissions-cars=TO_165&sort=sponsored&advertising-location=at_cars&year-to=2014&model=S CLASS&postcode=ls298jn&keywords=Amg&radius=1501&onesearchad=Used&onesearchad=Nearly New&onesearchad=New&make=MERCEDES-BENZ&page=1

http://www.autotrader.co.uk/classified/advert/201609067476965?keywords=Amg&year-to=2014&sort=sponsored&make=MERCEDES-BENZ&advertising-location=at_cars&model=S CLASS&radius=1501&postcode=ls298jn&onesearchad=Used&onesearchad=Nearly New&onesearchad=New&co2-emissions-cars=TO_165&year-from=2012&page=3

vintagevrs · 22-03-2017 10:05am

166man wrote: »

Whilst it is an inconvenience no doubt especially on a €55k car, what else were the dealer supposed to do in that situation? Of course they could have realised the error beforehand and not made him drive from Donegal but it seems like they dealt with it well, so far.

Have to agree with this. There's so much stuff on new cars it's easy for something to slip through. The 4 hour drive is outside the dealers control, if the guy was local it would be less of an issue. They have him a G30 to take with him after trying to resolve the issue there and then. Mistakes can happen, all about how the dealer reacts and so far seems to be reasonable.

carsfan2 · 22-03-2017 11:07am

I guess the g30 is so new and has so much tech in it that they haven't worked everything out in the dealers.
These things happen but I think picking up the car was like Christmas morning to a kid only for santa to leave clothes instead of toys.
I'm sure he will be happy when he gets his actual car.

JoeA3 · 22-03-2017 11:51am

Those things happen all the time. Especially when it's a new-ish model and the dealers understandably may not be familiar with how to quickly resolve every little issue. I remember when I went to pick up my MK7 GTI, half the rear LED lights weren't working. The dealer had no idea how to get them going, it was one of the first GTI's in the country so they didn't have much to go on. I had to leave the car back to them the following day and they were hours at it. But they were good about it so it wasn't such a big deal.

22-03-2017 12:13pm

MarkN wrote: »

........... There's also the possibility of €20,000 depreciation in two years on one................

I reckon no matter what you get you are looking at the guts of that, certainly €16k + .

Theboinkmaster · 22-03-2017 1:06pm

MarkN wrote: »

Interesting. If they do ring me back I'm gonna ask him out straight does he normally let leads wait several days on cars.

I see the two 640d cars in Howth have dropped by €2,000 each.

what's stopping you from the 640d? Don't know why you'd go back to a 520d f10 after already owning one and selling it.

MarkN · 22-03-2017 2:10pm

Until now, the main thing was the black hole between what I need for my car and what I can get for it. That and trying to get a phone call back from the BMW dealer that has a few of them for sale so I can trade mine in. Tomorrow will be four business days since I enquired about one they have for sale :P

Plus, very different cars but for the same as a 640D will cost me every month, I could be in a number of lesser but brand new cars. So I'm a little undecided.

Idbatterim wrote: »

Are you hell bent on staying with BMW mark? Would you consider the likes of the below?

Lovely examples but as much as I'm not totally focused on BMWs, I do really like them. I just wouldn't feel as passionate about Mercs. Really like the Audi A7 but it would have to be Quattro and the 3.0 with at least the 245bhp engine.

166man · 22-03-2017 3:23pm

I haven't much time for most Audi's but those A7's are beautiful looking things. :cool:

I'd hate for you to go from the 6 cylinder twin turbo to a four cylinder and regret it.

Would you go petrol at all?

MarkN · 22-03-2017 5:32pm

166man wrote: »

Would you go petrol at all?

Absolutely. But would have to be 2012/2013 onwards. I've thought about M3s again but the tax is just horrendous.

Where would you go next...

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