Unfortunately, this deal is no longer valid
Volvo V90 CC T5 - 18 month lease, £272 per month, no deposit (Term £4898) @ Santander
1912° Expired

Volvo V90 CC T5 - 18 month lease, £272 per month, no deposit (Term £4898) @ Santander

£4,898£5,442.7910%Santander Deals
245
Posted 30th Jan 2019Edited by:"paypeanuts"

This deal is expired. Here are some options that might interest you:

Volvo V90 Cross Country AWD 2.0 T5 available from Santander Consumer Finance on 18 month lease, £272.12 per month, no up-front payment, no admin/processing fee, 8,000 miles per annum. Total cost is £4,898.16.

This offer is not shown on their website. You will have to contact them for a quote.

Telephone 0330 726 0161
or email: enquiries@123scfcontracthire.co.uk

Exclusively for Santander 1|2|3 World Customers. If you hold one of the following products you are part of 1|2|3 World:
1|2|3 Current Account
1|2|3 Lite Current Account
1|2|3 Student Current Account
1|2|3 Graduate Current Account
1|2|3 Postgraduate Current Account
1|2|3 Credit Card Santander Select

The Lite Current Account can be opened online in 10 minutes (£1 per month fee) - santander.co.uk/per…unt
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Top comments
deleted7202830/01/2019 18:13

*You,r


Even stranger?

36951566-mWwmo.jpg
I don't usually comment on other peoples spelling but when the Grammar Police jump in making a worse mistake, it does make me snigger.
Edited by: "Quinoa" 2nd Feb 2019
Ts189910 m ago

It’s just a lease your not buying it!


That's why it says LEASE in the Title.

Are there any other secret deals on XC90?
Edited by: "Quinoa" 30th Jan 2019
bigpappa6931/01/2019 14:23

OK, I get that this is the gist of it, but I’d like to know the c …OK, I get that this is the gist of it, but I’d like to know the calculations for future reference...


So in essence, what your trying to do by leasing is pay less than what the car would lose in depreciation during the course of the lease agreement. And this is why 2 year (or smaller) are generally the sweet spot for lease agreements.

Bear in mind this is all rough figures. Obviously some people can walk into a dealership and get 10% off the list price off a car, others more and some may not even get a discount - which is why we always work off the list price of a car when doing these sums as that is the price everybody can get!

So roughly, you can lose up 25% of the value of your car after 2 years (40% after 3 years). Sometimes more, sometimes less. So when leasing you're always looking at the 25% figure when calculating how much the car costs you. If the lease costs more than 25% of the total value of the car, then it's a bad deal and you may be better served getting a PCP if you're desperate for that car. Bearing in mind, leasing is much better for people who aren't really fussy what car they want, they just want a great deal.

If it's less than 25% then you're in the realms of a decent deal. Under 20% better still, and under 15% is brilliant albeit rare.

So taking the Volvo T5 CC, it has a list price of £45185.
This lease will cost you £4898 over 18 months.

£4898 as a percentage of £45185 is just a smidge over 10%. Obviously this lease is 18 months and not two years. If it was two years the percentage figure would be 14%. So either way, this car will only cost you 10% or 14% of the total cost of the vehicle. A hell of a lot less than the depcriation you would experience if you bought it outright or PCP etc.

This is exceptionally cheap motoring. There are plenty on here who simply don't understand the principle of leasing and what advantages it has but I'm highly, highly doubtful if there is a way of driving a £45k car for less money per month.
Edited by: "sihaworth" 31st Jan 2019
this may prove useful for covering the many miles of travel to the nearest branch of Santander when half of them close..
245 Comments
I can’t see this listed on the page you’ve shared? Am I going blind?
Great deal, amazing car for that price.

Get whilst you can.
Chiptivo4 m ago

Great deal, amazing car for that price. Get whilst you can.


but where is it?!
Chris33330/01/2019 17:25

I can’t see this listed on the page you’ve shared? Am I going blind?


The cars listed on the website are just examples of their current deals. They have other cars available, including this one, but you will have to give them a ring or drop them an email.
Edited by: "paypeanuts" 30th Jan 2019
its £379 pm
philipkole30/01/2019 17:37

its £379 pm


Not the model shown above. I've ordered mine at this price.
philipkole30/01/2019 17:37

its £379 pm


£4898 / 18 = £272 ? No mention of upfront payments or admin fee though.
M_z30/01/2019 17:41

£4898 / 18 = £272 ? No mention of upfront payments or admin fee though.


That's because there aren't any.
Genuine deal been going for a couple of weeks now you have to ring them not showing on website
Great price for a great car. Would have bought one on similar deal last year if the car wasn't so long - must be a nightmare to park!
It’s just a lease your not buying it!
Ts189910 m ago

It’s just a lease your not buying it!


That's why it says LEASE in the Title.

Are there any other secret deals on XC90?
Edited by: "Quinoa" 30th Jan 2019
paypeanuts30/01/2019 17:40

Not the model shown above. I've ordered mine at this price.


Is it the v90 Cross country?
Avatar
deleted72028
8k miles/annum? FFS, not much point having the car.
Avatar
deleted72028
Ts189930/01/2019 18:01

It’s just a lease your not buying it!


*You,r
deleted7202830/01/2019 18:13

*You,r


Even stranger?

36951566-mWwmo.jpg
I don't usually comment on other peoples spelling but when the Grammar Police jump in making a worse mistake, it does make me snigger.
Edited by: "Quinoa" 2nd Feb 2019
8k is fine for many - especially with a thirsty T5 engine like this. Hot from me.
deleted7202830/01/2019 18:13

8k miles/annum? FFS, not much point having the car.


Where's m5rcc when you need him?
"8k miles per annum is more than the national average".

I think it's around £295 per month for 10k miles per annum. However, the additional cost per mile if you go over is very reasonable.
That is a fab deal especially on the cross country one. They look great too

In my experience if you contact a couple of volvo dealers they'll match the offer. If I remember rightly santander do the finance for volvo.
Edited by: "neil.solender" 30th Jan 2019
this may prove useful for covering the many miles of travel to the nearest branch of Santander when half of them close..
Quinoa30/01/2019 18:15

Even stranger?[Image] I don't usually comment on peoples spelling but when …Even stranger?[Image] I don't usually comment on peoples spelling but when the Grammar Police jump in making a worse mistake, it does make me snigger.


Is that two spaces you have between worse and mistake?

Not a fan of 18 month deals. As soon as you are settled into the car it's time to start looking again. Decent deal though.
neil.solender30/01/2019 18:46

That is a fab deal especially on the cross country one. They look great …That is a fab deal especially on the cross country one. They look great tooIn my experience if you contact a couple of volvo dealers they'll match the offer. If I remember rightly santander do the finance for volvo.


They can't match this. They use a different wing of Santander to this deal.
Remember dealer principal on the phone demanding to a colleague surely we can match this it's Santander... They couldn't even get close. You can try yours though. Mine is a stoneacre branch. They couldn't get near the S90 or this V90 quote.
formsm2000comp30/01/2019 18:54

They can't match this. They use a different wing of Santander to this …They can't match this. They use a different wing of Santander to this deal. Remember dealer principal on the phone demanding to a colleague surely we can match this it's Santander... They couldn't even get close. You can try yours though. Mine is a stoneacre branch. They couldn't get near the S90 or this V90 quote.


It wasn't the local one it was one in Newcastle, those cars will be at one or allocated to one of the dealerships right now and it would be nice to get it from a dealer. If you go onto whatcar leasing sometimes that can give you a clue. Stonking deal though, should be 100 a month more.
Road t tax included I hope lol

Pet Parkers
"Annual road tax: £450"

Heated op good find!
Edited by: "brj080402" 30th Jan 2019
neil.solender30/01/2019 18:58

It wasn't the local one it was one in Newcastle, those cars will be at one …It wasn't the local one it was one in Newcastle, those cars will be at one or allocated to one of the dealerships right now and it would be nice to get it from a dealer. If you go onto whatcar leasing sometimes that can give you a clue. Stonking deal though, should be 100 a month more.


I already have an S90 R-Design with winter pack on order. That's £280 a month with £300 fee. That's worth about £38k with the options. That's 8k a year 24 months.
That's £7k all in. About 18% of value of RRP of the car. So an excellent deal.

However the V90 with winter pack and another option is £7.3k if it was 24 months
V90 CC is worth £44k so works out about 16.5% roughly.
Because these are 18 months I've got it as 12% of value. One of best lease deals for value ever.
I am the stage of which dealer I want so hopefully will be in before the hukd rush. Did you go for one mate!
brj08040230/01/2019 19:03

Road t tax included I hope lolPet Parkers"Annual road tax: £450"Heated op …Road t tax included I hope lolPet Parkers"Annual road tax: £450"Heated op good find!


Yes, road tax is included. I'm not sure if you have to pay for the first service during the 18 month term though. My guess would be yes.
How would you get 18 month insurance...? I guess you'd have to get 2 years and lose 6 months?
neil.solender22 m ago

It wasn't the local one it was one in Newcastle, those cars will be at one …It wasn't the local one it was one in Newcastle, those cars will be at one or allocated to one of the dealerships right now and it would be nice to get it from a dealer. If you go onto whatcar leasing sometimes that can give you a clue. Stonking deal though, should be 100 a month more.


My local branch (Stockton-on-Tees) couldn't match this deal. I didn't try the others in the North East (Sunderland and Newcastle) so you could always give them a ring. I wouldn't get your hopes up though.

You can specify which dealership you would like the car delivered to. I think earliest date for delivery is April.
eggmanpete26 m ago

How would you get 18 month insurance...? I guess you'd have to get 2 years …How would you get 18 month insurance...? I guess you'd have to get 2 years and lose 6 months?


You’d just call your insurer after 6 months of your 2nd year and get them to amend the policy to your new car. Sorted!
formsm2000comp39 m ago

I already have an S90 R-Design with winter pack on order. That's £280 a …I already have an S90 R-Design with winter pack on order. That's £280 a month with £300 fee. That's worth about £38k with the options. That's 8k a year 24 months. That's £7k all in. About 18% of value of RRP of the car. So an excellent deal.However the V90 with winter pack and another option is £7.3k if it was 24 monthsV90 CC is worth £44k so works out about 16.5% roughly.Because these are 18 months I've got it as 12% of value. One of best lease deals for value ever.I am the stage of which dealer I want so hopefully will be in before the hukd rush. Did you go for one mate!


I was going to earlier in the year and have been leasing for years, but due to my parents being ill at the other end of the country and other factors I bought a xc60 instead, which I like.
However I really would like this model if I'm honest, my wife preferred the higher ride position of the xc60. Although I think it will the last car I buy as I like leasing and have always done well out of it.

I'm saving and would sell a kidney for the polestar coming out, the ultimate car.
formsm2000comp30/01/2019 19:05

I already have an S90 R-Design with winter pack on order. That's £280 a …I already have an S90 R-Design with winter pack on order. That's £280 a month with £300 fee. That's worth about £38k with the options. That's 8k a year 24 months. That's £7k all in. About 18% of value of RRP of the car. So an excellent deal.However the V90 with winter pack and another option is £7.3k if it was 24 monthsV90 CC is worth £44k so works out about 16.5% roughly.Because these are 18 months I've got it as 12% of value. One of best lease deals for value ever.I am the stage of which dealer I want so hopefully will be in before the hukd rush. Did you go for one mate!


Is there a % that is usually considered the tipping point to any lease deal being considered a good deal, or does it vary by car and spec?
deleted7202830/01/2019 18:13

8k miles/annum? FFS, not much point having the car.


Agreed.

Very expensive way of covering 8k miles!

Then again I've never seen the economics of leasing but each to their own. If you can afford it and want a new car for a bit then I guess it works for some people.
This is a fantastic deal if you can put up with the size of it and the terrible fuel economy. Everything I’ve read suggests you’ll struggle to get more than 27mpg in ‘normal’ driving.
eonise30/01/2019 19:46

Is there a % that is usually considered the tipping point to any lease …Is there a % that is usually considered the tipping point to any lease deal being considered a good deal, or does it vary by car and spec?


Less than 30% is average. Less than 25% is good. Less than 20% excellent. Less than 15% world class. This is usually based on 10k per year miles and over 24 months lease. You are basically trying to beat the depreciation of buying the car new and selling when the lease is up.

Always worth checking drive the deal etc if a car is on offer at 50% off. Leasing might not always be the cheapest way into that new car. Leasing wins most of the time though if you change cars often.
SPD1425 m ago

This is a fantastic deal if you can put up with the size of it and the …This is a fantastic deal if you can put up with the size of it and the terrible fuel economy. Everything I’ve read suggests you’ll struggle to get more than 27mpg in ‘normal’ driving.


I haven't seen it myself (even though I've already ordered one!) but I hear that it's big and not particularly economical. So it's not going to be a deal for everyone.
tommydelboy30/01/2019 19:49

Agreed.Very expensive way of covering 8k miles!Then again I've never seen …Agreed.Very expensive way of covering 8k miles!Then again I've never seen the economics of leasing but each to their own. If you can afford it and want a new car for a bit then I guess it works for some people.


It's a lot cheaper than buying the car, not many people have the money outright to buy a car so you're paying out every month anyway, as usual this needs to be explained on every lease deal. One day people will work it out Then again I used to work in a computer shop with laptops every where in the window and all over the shelves in the store and we'd get people in that said do you sell laptops? So yeah in reality there's no hope this will ever change.
fishmaster30/01/2019 20:31

It's a lot cheaper than buying the car, not many people have the money …It's a lot cheaper than buying the car, not many people have the money outright to buy a car so you're paying out every month anyway, as usual this needs to be explained on every lease deal. One day people will work it out Then again I used to work in a computer shop with laptops every where in the window and all over the shelves in the store and we'd get people in that said do you sell laptops? So yeah in reality there's no hope this will ever change.


I sort of get the idea. But it's cheaper than buying the car because well.. your not buying the car. Your basically paying to use it for a while, and getting nothing in return. (Which is fine don't get me wrong)

Again, fine for people that want a 'new' car, but cheap or economical (in the money sense!) it isn't in my opinion.
If you want more information on the deal check out the multiple lengthy threads on pistonheads
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