Expert answer

Hi Kevin,

That's a bit of a black art in itself and of course will depend on whether the seller is private or a dealer. Assuming an asking price in the region of €11,000 to €13,000 go in with an offer €1,500 below and see what they say. Don't take their first offer either - haggle.

Let us know how you get on.

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Hi Eric,

I'm afraid there's no easy answer to that. It'll depend on your circumstances and on the amount of money you wish to borrow as much as anything. While it is not as easy as it once was to obtain credit banks are happy to loan to 'good bets'.

Beyond the high street banks it's well worth checking out what finance the dealer you're buying from offers. Several car makers have effectively set up their own car finance arm to make the process easier. This includes BMW/MINI, Ford, Renault and the Volkswagen Group.

As ever shop around, but if want some specific help please do come back to us.

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Hi Jimmy,

We've done some ringing around for you based on extra information you provided us with (2010 Volvo S40 1.6 diesel). First of all, you can't do anything about different brands charging different amounts; that's a fact of life. We talked to several Volvo dealers around the country to compare pricing and they all quote similar amounts to the numbers you gave us. It seems expensive for the first service for sure, but at least you know it's standard across the network.

While we didn't ring every dealer in Ireland, we did get a quote from Bandon Motors (www.bandonmotors.com) that was much cheaper for the first service - though the same after that. Best bet is to ring all the Volvo dealers you are within easy driving distance of.

Of course, failing all that you could take the car to a non-Volvo garage, but I'm guessing you'd like the main dealer stamp in your service history.

Let us know how you get on.

Expert answer

Hi Antoinette,

First of all it's always worth remembering to focus on the 'cost to change' rather than the trade-in value alone. Your current car is unlikley to be worth quite €1,000 to a dealer so bear that in mind. If that gives you €5,000 in total to spend then you could potentially afford a 2005 Toyota Avensis. However, that price will get you a high mileage example so it may be worth going for a 2003/2004 example in good condition with low mileage.

I reckon you're better off with a petrol version if you're looking at an Avensis of that age. It was before the changeover to emissions-based taxation in July 2008, so the 1.6-litre petrol model was very popular - and is therefore in plentiful supply on the used market. Tax is cheaper too than the diesel of the same age due to it being calculated on engine size.

Along with that, 11,000 miles per year is not quite high enough to justify the potential extra cost of a diesel car in my opinion.

Hope that helps

Expert answer

Hi Steve,

We are not aware of any issues with this engine as yet. Most problems would have been rectified under warranty so far in any case, making it too early to say for sure.

Prices vary around the country and of course between dealers and private sellers, but the car you're describing is worth somewhere in the region of €13,000 to €15,000.

Hope that helps.

Expert answer

Hi Frank,

This isn't quite an exact science and you can't really "work it out" but instead you can guess based on evidence from the past. Take a look at what the cars retail for after one year, two years, three years and so on and see what percentage of the car's original value it has retained. There have traditionally been some brands that have kept their value better than others - Ford, Toyota and Volkswagen would be some that spring to mind.

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Hi Andrew,

The key point you make here is 'properly maintained' and to be honest if you really take care of it and are prepared to invest money into it then you could expect 200,000+. It isn't all that unusual to see Focus diesels with mega mileage. See this one on sale in a dealership in Carlow with 190,000 miles on the clock. So it is really up to the owner. I wouldn't expect it to last much over 200,000 though, before it would become uneconomic to own it. 

Expert answer

Hello Mary,

You will probably get offered in and around the €15,000 mark for your S40 Flex Fuel model, but this could stretch to €16,000 if you traded it in against a new car. You didn't mention if you wanted a new or a used small automatic to replace your Volvo, but I will assume that you want a new car. 

I am not sure how small you want to go, but there are a few decent small automatic cars around, but not that many. The best of them would probably be the automatic Ford Fiesta, which is a really great little car for the money. We quite like the Hyundai i20 1.4 Deluxe Auto too. This is a fine little car. My top choice and the one I would buy is the Skoda Fabia 1.2 TSI Sportline with the excellent DSG gearbox, which is simply superb. 

Hope that helps

Expert answer

Hi Dave,

There is no simple answer to this - but as a rule of thumb, on a new car (average Ford Focus or Golf) you should expect to get around €700-€1,000 off the new price if buying straight. Much more than this is unlikely unless it is a Renault, or a luxury car! Shop around and don't be afraid to look outside of Dublin for the best deal.

Expert answer

If it was my money I'd have the Passat, especially the CC if your budget allows it. The Passat feels like a much more upmarket car than the Ford Mondeo. The latest Mondeo is very good, but I'd be drawn to the look and feel of the Passat everytime.