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Does the PCP deal you've looked at come with any element of free servicing or anything? It's worth looking at how much an annual service might cost you and how close to needing a major service the cars you're looking at are.
mcmyk-
My mates have the BMW ones, £600 for servicing added to the cost. Small service is around £360 apparently so it makes sense to take it if it’s a brand new car. One year old car doesn’t make sense as you only have to get one service in the three years. Their servicing costs are expense - approx £110 per hour.
TGR
Thanks. My options are PCP or maybe something 3 to 5 years old - make and model dependent etc.