Works, with a caveat
Aston Martin Refinance and Equity Release
Gaydon collector cars raise capital without going to auction. See what the monthly repayment looks like.
Indicative repayment from
£1,266a month
Based on £50,000 released and repaid over 48 months at 9.9% nominal, with the car staying yours throughout.
- Released
- £50,000
- Term
- 48
- Balloon
- None
example sum
months
capital and interest
Indicative and not a quotation. Computed at render time from the capital sum shown on the same amortisation the calculator runs.
A Valkyrie, or anything from the collector back catalogue, raises serious capital and stays exactly where it is. Aston Martin equity release refinances a car you already own: the advance follows an independent appraisal rather than the badge, any outstanding balance is settled as part of it, and you repay capital and interest with no final lump sum.
We arrange Aston Martin refinance across 5 current and recent Aston Martin Lagonda models, from the Vantage at around £165,000 to the Valkyrie at £2,500,000. Every figure on this page is computed from those real list prices by the same finance calculator you can run yourself, and we are an independent credit broker arranging the financing rather than a lender, so the rate and the term come back from our panel of specialist lenders rather than from us.
What Aston Martin refinance costs a month
Releasing capital against an Aston Martin costs the interest on the sum advanced over the term you pick, and nothing else moves it. The table below prices three example sums at 9.9% nominal over 36, 48 and 60 months, so you can see what the term does to the monthly payments before committing to one. Aston Martin car equity release is secured lending against a car you own, so what can be advanced is settled by an independent appraisal of its market value.
| Capital released | Over 36 months | Over 48 months | Over 60 months |
|---|---|---|---|
| £50,000 | £1,611 | £1,266 | £1,060 |
| £100,000 | £3,222 | £2,531 | £2,120 |
| £200,000 | £6,444 | £5,063 | £4,240 |
Indicative only and not a quotation. The capital sums shown are examples rather than an offer: what can actually be advanced against your car depends on an independent appraisal, on anything still outstanding against it, and on the commercial lender's underwriting. Figures are computed on a straight amortisation at the nominal annual rate shown and assume no fees.
Aston Martin refinance finance calculator
Change the price, the deposit and the term to see what moves. The calculator runs the same amortisation as the table above, so the two can never disagree.
Vehicle Config
mi
£
Equity Release
£
Ready to Calculate
Select your vehicle and finance options, then click "Get Quote" to see your personalized finance breakdown and market analysis.
Which Gaydon models hold enough value to refinance
We arrange Aston Martin refinance across the Aston Martin Lagonda range rather than on a shortlist of easy cars, but the structure does not fit every model equally. Our specialist lenders take new, pre-owned and classic Aston Martin cars alike, and the judgement in the table below comes from how each car has actually behaved at the end of a term rather than from what is easiest to place.
The Aston Martin Valkyrie suit Aston Martin refinance. The DB12, Vantage, DBS Superleggera and DBX 707 do not, for the residual reason set out further down. Prices below are list, and a pre-owned Valkyrie is arranged on the same panel as a new one.
| Model | List from | Suits refinance | Why |
|---|---|---|---|
| DB12 | £185,000 | No | Equity only where the car is owned outright |
| Vantage | £165,000 | No | Equity only where the car is owned outright |
| DBS Superleggera | £225,000 | No | Equity only where the car is owned outright |
| DBX 707 | £189,000 | No | Equity only where the car is owned outright |
| Valkyrie | £2,500,000 | Yes | Value has held or risen, so there is equity to advance against |
Aston Martin
Valkyrie Finance
From £2,500,0001,140 bhp
Aston Martin
DBS Superleggera Finance
From £225,000715 bhp
Aston Martin
DBX 707 Finance
From £189,000697 bhp
Aston Martin
DB12 Finance
From £185,000671 bhp
Aston Martin
Vantage Finance
From £165,000656 bhp
Each card opens the model page, where you can model Aston Martin refinance financing against that specific vehicle.
How much can be released against an Aston Martin
Three things decide what comes back on Aston Martin refinance: what an independent appraiser puts on the car, what is still outstanding against it, and how long you want to repay the total amount over. The advance settles any existing agreement first, and the balance is what reaches you. Ownership of the Aston Martin does not move at any point and you keep driving it throughout.
Repayment on Aston Martin car equity release is straight capital and interest at 9.9% indicative nominal, with no balloon and no option to exercise at the end. Terms on Aston Martin Lagonda cars typically run to 48 months. New, pre-owned and classic cars are all eligible, and refinancing an agreement held elsewhere is common. Because the agreement is unregulated commercial finance above £25,000 it is underwritten individually rather than priced off a published rate card.
- £140,000 to £3,000,000
- Aston Martin deal range
- 1 of 5
- Models suited to refinance
- 20%
- Typical deposit
- 48 months
- Typical term
Arranged from £25,000 upwards
On current residual behaviour
Moves with the car and your position
Indicative rates from 9.9% nominal
Why Aston Martin finance against an owned car needs a specialist
Aston Martin finance at this level is not a retail product and is not priced from a rate card. We are an independent credit broker rather than a lender, so Aston Martin refinance goes to the lenders on our panel that genuinely write against Aston Martin Lagonda cars, and what comes back reflects the individual car, its provenance and its specification rather than a headline rate.
Every Aston Martin finance figure on this page is computed from a real list price in our catalogue, from the Vantage up to the Valkyrie, on the same amortisation the calculator runs. We publish no headline rate because every agreement above £25,000 is underwritten individually, and financing an Aston Martin Lagonda car turns on the asset at least as much as on the borrower.
Whether you arrive calling it Aston Martin car finance, classic car finance, luxury car finance and sports car finance, or simply a monthly payment on a Vantage, the four structures and the panel behind them are the same. We arrange bespoke finance across the UK, a classic car goes to the same underwriters as a new one, and the monthly payments quoted here are computed rather than advertised.
What we do on an Aston Martin that a dealer finance desk does not
- Place Aston Martin refinance across a panel rather than with one lender, so a decline on an Aston Martin starts the conversation rather than ending it
- Price new, pre-owned and classic Aston Martin cars on the same panel, including a Vantage bought privately or a Valkyrie bought at auction
- Get the car appraised independently rather than taking a trade valuation, because the advance follows the appraisal
- Say when one of the other three structures suits your Aston Martin better, even where it is the one we place less often
How Aston Martin Lagonda values set what a lender will advance
The DB11 and the outgoing DBS generation gave up value quickly, and buyers who bought new in that period generally did not enjoy the experience. Gaydon knew it, and the response has been visible in the way the DB12 and the current Vantage have been positioned: fewer variants, a firmer line on discounting, and a specification strategy that does not flood the used market with near-identical cars.
It is working, but it is early. Three-year data on the DB12 does not exist yet, so a lender setting a guaranteed figure on one is extrapolating from a nameplate whose recent history argues for caution. In practice that means the guaranteed figures available on a current Aston Martin are conservative relative to the equivalent Italian or German car, and the monthly payment reflects that.
The DBX 707 is the steadiest thing in the range on a lender's screen, because performance SUVs of that size have a broad and liquid used market. At the other end, the Valkyrie is a limited-build car that has never traded near list and is not a candidate for any guaranteed-value product.
Aston Martin residuals have been the marque's weak point for two decades, and the current generation is the first serious attempt to fix it.
| Direction | Cars | What it means for a lender |
|---|---|---|
| Holding or rising | Valkyrie | A guaranteed future value is either declined outright or set below what the car is really worth, so the lender's protection is worth little here |
| Falling | DBS Superleggera, DB12, DBX 707 | Forecastable, so a guaranteed figure can be set and priced |
Market commentary rather than a valuation. Residual value is the largest single variable in a £25,000-plus vehicle agreement and no credit broker can guarantee it. Lender posture on Aston Martin: Available across DB12, Vantage and DBX 707 but set conservatively given the nameplate's residual history. Declined on Valkyrie.
Aston Martin refinance against the other three structures
The four finance options are not interchangeable on an Aston Martin, and the reason is the one running through this whole page: who carries the residual. Personal Contract Purchase hands it to the lender through a guaranteed minimum future value. Lease Purchase leaves it with you behind a balloon payment you agree. Hire Purchase removes the question by amortising the full cost and ends in outright ownership. Equity Release is not a purchase structure at all, but a refinance against an Aston Martin you already hold.
- Works, with a caveat
Aston Martin Personal Contract Purchase
PCP is written across the current Aston Martin range, and the guaranteed figures are conservative because Gaydon's residual history gives underwriters reason to be careful.
- Works, with a caveat
Aston Martin Hire Purchase
Hire purchase suits the Aston Martin buyer who is keeping the car, and on this marque the gap between it and the guaranteed-value alternative is narrower than the residual record alone would suggest.
- Works, with a caveat
Aston Martin Lease Purchase
Lease purchase is available across the Aston Martin range and is the right call only where you are certain you will settle the balloon, because Gaydon's residual record means you would be carrying a risk lenders themselves price cautiously.
You are here
Aston Martin Equity Release
Works, with a caveatEquity release works on an Aston Martin where the car is a Valkyrie or comes from the collector back catalogue, and very rarely on a two-year-old DB12.
Ratings are our own view of how each structure behaves on Aston Martin, based on the residual evidence above rather than on which product is easiest to place.
Where equity release stops working on a Gaydon car
The Valkyrie is the clearest case Gaydon offers. It is a limited-build car that has not traded near list, it is held by owners who bought it as a collector asset rather than as transport, and it is appraised individually against recorded sales. The collector back catalogue behaves the same way, and for the same reason: those cars finished depreciating decades ago. In both cases the owner holds the car outright, so the refinance advance is set against the whole appraised value rather than against a gap.
The current range is where this stops being straightforward. Aston Martin residuals have been the marque's weak point for two decades, and although the DB12 and the current Vantage are a serious attempt to fix that, a two-year-old DB12 on a normal car finance term is not going to show a gap between value and settlement figure worth arranging against. A DBS Superleggera bought new sits worse still. Owned outright, all of them support a modest release.
On the back catalogue the valuation turns on originality and restoration standard rather than on the model, so a rebodied or heavily modified car will be appraised well below a correct one. On the current cars the limit is the equity itself, and Q by Aston Martin specification does not close the gap, because the used market prices the car rather than the commissioning invoice.
If that is your position, Lease Purchase is worth putting alongside this one before you decide.
Worth putting alongside this one
Aston Martin Lease Purchase
If the car you hold is a current DB12 or Vantage rather than a Valkyrie, and the objective is the next Aston Martin rather than capital, lease purchase on that car keeps the monthly payments manageable through a deferred final figure and leaves the residual on your side.
Related Reading
Aston Martin refinance and equity release FAQs
Releasing £50,000 against an Aston Martin costs around £1,266 a month over 48 months at 9.9% indicative nominal, on a straight capital and interest repayment with no balloon. What you can actually release is set by an independent appraisal of your car and by anything still outstanding against it, so treat this as an illustration rather than an offer.
Yes, and it is the most straightforward refinance in the range. The Valkyrie has never traded near list, it is almost always owned outright, and specialist commercial lenders appraise it as a collector asset with reference to recorded sales. The car stays with you, the advance is set from the valuation, and the whole arrangement sits outside the guaranteed-value products the current range uses.
Probably not enough to be worth arranging. The current cars are positioned to hold better than the DB11 generation did, but two years is early and a normal term has not amortised far enough to open a gap. We will check the settlement figure against a current valuation and tell you the answer either way rather than starting a case that cannot complete.
Car by car. An underwriter looks at originality, the restoration standard and who carried it out, the completeness of the history file and the specific market for that model and that year. Recorded auction results anchor the valuation and the individual car's condition moves it. It is closer to a fine-art appraisal than to a car finance credit decision, and it takes longer for that reason.
Where there is positive equity in it, yes, and the company route is the usual one. Everything we arrange is unregulated commercial finance above £25,000, so a vehicle held in a limited company is the natural fit. The complication on a DBX 707 is not the ownership structure, it is whether the car is worth enough above the settlement figure to make a release worth doing.