My DH gets a car allowance through work. Up this point his work have leased him a Ford Ranger - but there are no longer tax efficiencies around these as commercial vehicles (this is my basic understanding!) so we wouldn’t get a car direct like this again unless electric & that doesn’t really suit where we currently live.
Going forwards DH could just take the allowance direct & lease a car or put down a deposit & finance an eventual purchase.
the ranger has suited us & we could finance the purchase of this car, but avoiding the hassle of MOT etc is appealing.
I’m not sure what the best thing to do is. We are about to have our second child & were looking at a Volvo XC40 - but any advice would be appreciated!