Classic Car Ownership Made Simple

Certain classic car models are renowned for their exceptional ability to hold and even appreciate in value. These standout examples consistently deliver strong residuals:

• Jaguar E-Type
• Ferrari 308
• Ferrari 355
• Ferrari 275 GTB
• Mercedes SL
• Porsche 911
• Porsche 356
• Jaguar XK120

These models are celebrated for their rarity, timeless design, and enduring desirability. Whether you're a collector or investor, these classics make excellent choices for preserving long-term value while offering an iconic driving experience.

Yes, we can arrange funding for restoration projects. However, there are specific criteria that must be met, which one of our Finance Specialists will be happy to discuss with you. This type of financing is particularly suited to high-end classic cars that are expected to hold significant resale value once fully restored. With our expertise, we’ll help you navigate the process and bring your restoration vision to life.

Yes, you can. We work with specialist lenders who can fund classic car purchases at auction. Due to the time-sensitive nature of auctions, we recommend getting pre-approved before the auction begins. This will give you clarity on your budget and allow you to bid with confidence. For more details, speak with one of our Finance Specialists.

Absolutely. Many of the agreements we provide are regulated by the Consumer Credit Act, allowing you the flexibility to settle the agreement in full or make overpayments as needed. For unregulated funding, we work with a wide panel of lenders who offer preferential exit terms based on your individual requirements. Our team will guide you through the options to ensure your settlement process is as straightforward as possible.

Yes. This process, known as equity release, allows you to leverage the value of your existing assets to fund other ventures, such as expanding your collection. Equity release is available if your car is owned outright or is currently on a secured finance agreement. Our team can guide you through the process to ensure a seamless experience.

Your exit rights depend on whether your agreement is regulated or unregulated:

Regulated Agreements: If your agreement is regulated under the Consumer Credit Act, you have standard consumer settlement rights, including clear guidelines on early repayment terms.

Unregulated Agreements: Settlement terms for unregulated agreements can vary between lenders, as each sets its own policies. Early repayment penalties may differ, but our team of specialists are here to guide you through your options and ensure you make an informed decision.

Understanding these terms upfront is essential to ensure they align with your needs.

Charles & Dean clients typically place a deposit of 10-20% of total cost of the vehicle. However, this sum will depend on your unique financial situation and whether you are buying a new or used car. The more money you can put down as a deposit the less you’ll have to borrow and therefore the lower your monthly repayments will be, and the less interest you will pay over the duration of your agreement. Some of our clients will seek to put down the lowest possible deposit and use that capital in other income-generating areas.