Specialists in Car Finance
Branching away from dealer finance, or looking into specialised classic and supercar financing? Whatever your next dream car is, we can help fund your ambition.
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Our 5 Top Tips for Car Finance
We know that choosing the right finance for your dream car can be challenging. Here are our top five tips to help you make the best decision.
Read MoreSpecialists in Business Finance
Tailored commercial finance solutions to help businesses expand, invest, and manage cash flow with ease.
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Why Use a Commercial Finance Broker?
Whether you're seeking assets, expansion or managing cash flow, a business finance broker can make all the difference.
Read MoreAbout Charles & Dean
From fostering ambition and innovation to building lasting partnerships, we’re committed to leading in motor & commercial finance solutions.
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Tom Perkins Joins NACFB Board
An exciting milestone for Charles & Dean, Tom has recently been appointed as a Non-Executive Director of the National Association of Commercial Finance Brokers (NACFB).
Read MoreAt Charles & Dean, we specialise in equity release and vehicle refinance, helping you access cash tied up in your car. Equity release unlocks funds without selling, offering financial flexibility. Whether upgrading, reinvesting in performance, or freeing capital, we’re here to help guide you.
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Explore Multiple Lending Options
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Connections with Trusted Dealerships
What is Refinance & Equity Release?
We understand that financial priorities change. Whether you're looking to reduce monthly payments, restructure your current agreement, or release equity from your car, our bespoke Refinance and Equity Release solutions are tailored to suit your needs.
Refinance allows you to adjust the terms of your current finance agreement, whether it’s a Hire Purchase, Lease Purchase, or Personal Contract Purchase. This option is ideal if you want to keep your car but need more manageable terms.
Equity Release enables you to unlock the capital tied up in a vehicle you already own, giving you the liquidity to reinvest in property, expand your car collection, or seize new business opportunities.
Start by getting your vehicle valued to determine how much a lender is willing to lend against it. This helps set the stage for the most accurate finance options available.
Based on the valuation, we'll offer you a finance quote, either with or without a balloon payment, ensuring it aligns with your financial goals.
Once the balance is agreed, you’ll receive a clear breakdown of your monthly payments. At the end of the term, you'll have flexible options to either settle the loan, refinance, or explore other choices based on your evolving needs.
Product Suitability
Refinance and Equity Release offer flexible solutions to adjust your current finance agreement or unlock capital tied up in your car. Whether you're looking to lower monthly payments or access funds for new opportunities, these options provide a range of benefits and considerations.
Here’s a breakdown to help you make an informed decision:
Lower Monthly Payments Restructure your agreement for more affordable payments, making budgeting easier.
Unlock Capital Access the funds tied up in your vehicle for new investments or personal needs.
Market Rate Advantage Take advantage of lower interest rates and reduce the overall cost of your finance.
Flexibility Refinance agreements to extend or reshape terms, fitting your evolving circumstances.
Extended Agreements Refinancing may lengthen your loan term, resulting in a longer commitment.
Higher Total Costs Over time, fees and interest could exceed the cost of paying off your current agreement.
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By partnering with a diverse panel of lenders, we’re able to secure some of the most competitive rates available in the market.
We connect you with lenders offering options tailored to your needs, from adjusting payment terms to facilitating smooth business-to-personal finance transitions.
We navigate the refinancing process for you, ensuring clarity, confidence, and a solution that aligns with your financial goals.
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Explore our latest articles and updates.
At Charles & Dean, we understand the complexities of financing specialist vehicles and the importance of finding...
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At Charles & Dean, we know that financial circumstances can change, and sometimes, refinancing your car can be a...
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At Charles & Dean, we know that choosing the right car finance can be challenging. Here are our top five tips to...
Read MoreUnlock competitive funding solutions with guidance and support from our specialist team. Fill out the form below, and we’ll be in touch to schedule a call.
