Leasing vs Buying A Car In The UK — The Real Maths (A must WATCH!)

Nine in ten new cars in Britain are bought on a monthly deal. We followed one real Ford Puma deal for ten years and three buyers on the same Saturday: the monthly deal (PCP) cost about £40,700, paying cash about £21,400, and a four-year-old used one kept for ten years about £16,600. Here's why, when the monthly deal really does make sense, and how to check if you're owed car finance compensation. THE NUMBERS (all prices November 2026): - The deal: Ford Puma ST-Line, cash price £24,410 (Ford list price £28,045); PCP £349 deposit, 48 x £349 a month, 2.9% APR, final payment £9,251, 6,000 miles a year - Interest on the deal: about £1,940; almost six pounds in every ten of it charged on the final payment - After 4 years: PCP buyer paid £17,121; cash buyer £24,410 - Lease (personal contract hire) on the same model: about £13,800 to £19,300 over 4 years - 10 years, real cost: PCP £40,742 · cash, new £21,399 · used, kept 10 years £16,649 - Bank Rate 4% (5 November 2026); best easy-access savings about 4% - FCA car finance compensation: about 12.1 million deals from 2007 to 2024 may be covered; payments expected 2027 at the earliest The three buyers are made up; the deal, prices and rules are real. Car values after year 4 are estimates in today's money. Chapters: 0:00 Leasing or buying? 1:02 How Britain buys cars now 2:29 How a PCP deal works 4:37 Three buyers, one car 6:31 The first four years 7:52 The end of Otto's deal 10:13 Years five to ten 11:37 The ten-year bill 13:17 When the monthly deal makes sense 15:11 What this means for your money 16:48 The end of the road Sources: - Pentagon Ford, Ford Puma ST-Line mHEV PCP offer (OTR £24,410.26, deposit £349, 48 × £349, optional final payment £9,251, 2.9% APR, 6,000 miles, 6p per mile, total payable £26,372), seen 9 Nov 2026: https://www.pentagon-group.co.uk/ford/new-car-offers/puma-new/ford-puma-st-line-mhev-pcp-offer - Ford UK price list, Puma ST-Line £28,045 OTR (effective 1 Apr 2026): https://www.ford.co.uk/content/dam/guxeu/uk/documents/price-list/cars/PL-en_gb-puma-october-2025.pdf - Ford Puma best-selling car in the UK in 2026 to August (35,968 registrations, SMMT data): https://fordauthority.com/2026/09/ford-puma-uks-best-selling-model-of-august-2026/ - Finance & Leasing Association, consumer car finance, June 2026 (almost nine in ten private new car purchases): https://fla.org.uk/news/consumer-car-finance-new-business-volumes-grew-by-7-in-june-2026/ - Used prices, Ford Puma 2020, 2022, 2024 (AutoUncle UK, 2026): https://www.autouncle.co.uk/en-gb/used-cars/Ford/Puma/in/Northamptonshire/Kettering and https://www.autouncle.co.uk/en-gb/d/40593653-used-2022-ford-puma-st-line - Autovista24, April 2026 UK used values (a three-year-old car keeps 47.4% of list price): via https://www.directgap.co.uk/blog/car-buying/car-depreciation-guide/ - Bank of England, Bank Rate increased to 4%, November 2026: https://www.bankofengland.co.uk/monetary-policy-summary-and-minutes/2026/november-2026 Music: "Echoes of Time v2" Kevin MacLeod (incompetech.com) "SCP-x1x" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 4.0 License http://creativecommons.org/licenses/by/4.0/ This video is general information, not personal financial advice. Check your own situation. #CarFinance #PCP #UKMoney