Expert answer

Hello Brian,

This is an interesting one. I am guessing, as you own and love the 406 Coupé that you don't really want something too mainstream. It might seem obvious to put you into something like a BMW 3 Series Coupé, but I don't think that is what you are after.

As you probably know, you might not get offered very much for your 406 Coupé, which is a shame. Try to sell it privately because these cars do have a loyal following and if you got €2,000 that would no doubt be welcome. There is one for sale with a lot less miles than yours in Dublin for €2,650, so work backwards from there. 

Trading it is probably the easiest. Let's say that you have a budget of €16,000 and see what is around that might suit. 

One, perhaps rather obvious, choice would be to go for a Peugeot 407 Coupé. The diesel model sold really well and remains expensive, but I found a 2007 2.2-litre petrol version with just 21,000 miles on the clock and they are asking just €14,950. You can find it here:

http://tinyurl.com/33k7nl3

That might work given the really small mileage that you do and since you loved your 406 Coupé then this could be a great buy. 

If you want something very pretty and unique, how about an Alfa Romeo Brera? Here is a 2.2-litre petrol model for €17,950, but you could well haggle this price down further. There aren't too many about and while we cannot say that it won't give you the odd headache, it is a real head turner.

http://tinyurl.com/3ydqk89

Even if you're not a BMW guy, it's worth considering a 2006 320d Coupé, which will be reasonably economical for under €16,000. This one is in Monaghan and the mileage is pretty good at 69,000 miles.

http://tinyurl.com/3yr7wgq

I don't think you need a diesel given your mileage. I'd pick a Volkswagen Golf GTI. I know it isn't a coupé, but it is a super car to drive. This one is a 2006 model, but you might sneak into a 2007 version for your budget too. The example we found has the brilliant DSG gearbox, has done just 26,000 miles and is loaded with kit. It is such a rewarding car to drive and, since you live in the city, the gearbox should suit you perfectly giving you the best of both worlds.

http://tinyurl.com/32aftto

Please feel free to come back to us if we are way off the mark!

Expert answer

Hello Ken, 

For that sort of mileage it is a small bit less than you might normally be asked to pay for a diesel A3, but this would depend on whether it was a private sale or from a main dealer.

I'd say you would expect to pay €19,500 for one from a main dealer, with a private sale or independent dealer costing about €1,000 less. Remember, if you aren't trading in, you should expect you to get a decent discount off this asking price. 

Hope this helps!

Expert answer

Hi Alice

It isn't totally unusual for someone to trade in two cars against one. Car dealers are a little short on good used cars and the two you have to trade are likely to be quite welcome. 

You could try and sell one privately and use the cash as a deposit against your newer car, but selling privately can be a headache and you might be waiting a while for the car to sell. I would suggest that you try your local Toyota dealer initially, as they're likely to offer better deals on your Toyotas. 

You mention scrappage in your question. Unfortunately neither of your cars qualify for the scrappage scheme as they are not yet ten years old. So it would be a case of trading in both cars against a new car as normal. 

Without knowing details of your two trade-in cars in terms of mileage and condition we wouldn't be keen to give you an estimate of the price of these, but it would seem logical that you would stick with Toyota and get another Avensis (a diesel) as you are likely to be most welcome by the Toyota dealer. 

Feel free to come back to us with more details on your cars and we will see how we can help further.

Paddy

Expert answer

Hi Jim, I am not sure what you mean about not getting "caught out" - do you mean you want to make sure that you don't buy a stolen or faulty car? 

Expert answer

It is very true that obtaining finance is a major problem at the moment. A survey by the Peugeot dealer network in late 2009 showed that 71 percent of car finance proposals were being rejected compared to 30 percent in September 2008. In the last 12 months GE Money, Friends First and Lombard Ireland all left the market, which is now dominated by the likes of Permanent TSB, Bank of Scotland Ireland and the two main banks, AIB and Bank of Ireland. Evidence also suggests that the credit union has become a prominent lender for private individuals in the car market. It isn't a free for-all from the credit unions, but if you do have a decent savings record with a credit union they are a very good option.

In most dealerships, if you go through the likes of Permanent TSB, then you will usually need a pretty hefty deposit. Volkswagen Group now have their own bank and are said to be getting very high pass rates. As with most cases, it does depend on the state of your own finances and your ability to pay back the loan.

What seems to be clear is that motor finance is available, but like so many of the radio advertisements will say, ‘terms and conditions apply’. Large deposits and tough credit checks have replaced the sort of one-click, one-signature availability of the recent past

Expert answer

Firstly, trading in your car won't be a problem at all if you are bringing the car in against a new model, but you might not get as much for your car as you would have first expected. Selling it privately can be a little trickier these days too as buyers are harder to find because of the lack of available finance, quite simply.

Now, in terms of the car, the SEAT that you are talking about is probably the Exeo, which hasn't been on the market too long. It is a nice car, basically a rebadged previous-generation Audi A4. You have a choice of 1.6- and 2.0-litre petrol or a 2.0-litre diesel. Prices start at €26,690. Go to www.seat.ie for the latest line-up and pricing.