Works, with a caveat
Rolls-Royce Refinance and Equity Release
Capital drawn against a Goodwood car you keep and keep using, never against your house
Indicative repayment from
£1,899a month
Based on £75,000 released and repaid over 48 months at 9.9% nominal, with the car staying yours throughout.
- Released
- £75,000
- 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.
An owned Phantom, Ghost or Cullinan past its first cycle will support a sensible advance, and a Droptail supports one from the day it arrives. Rolls-Royce equity release is secured on the motor car and not on your home: an appraisal sets the figure, any finance still running is cleared from it, and the balance repays on level monthly instalments.
We arrange Rolls-Royce refinance across 5 current and recent Rolls-Royce Motor Cars models, from the Wraith at around £245,000 to the Phantom at £420,000. 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 Rolls-Royce refinance costs a month
Releasing capital against a Rolls-Royce 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. Rolls-Royce 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 |
|---|---|---|---|
| £75,000 | £2,417 | £1,899 | £1,590 |
| £150,000 | £4,833 | £3,797 | £3,180 |
| £300,000 | £9,666 | £7,594 | £6,359 |
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.
Rolls-Royce 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 Goodwood models hold enough value to refinance
We arrange Rolls-Royce refinance across the Rolls-Royce Motor Cars 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 Rolls-Royce 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 Rolls-Royce Cullinan, the Wraith suit Rolls-Royce refinance. The Phantom, Ghost and Spectre do not, for the residual reason set out further down. Prices below are list, and a pre-owned Cullinan is arranged on the same panel as a new one.
| Model | List from | Suits refinance | Why |
|---|---|---|---|
| Phantom | £420,000 | No | Equity only where the car is owned outright |
| Ghost | £275,000 | No | Equity only where the car is owned outright |
| Cullinan | £300,000 | Yes | Value has held or risen, so there is equity to advance against |
| Spectre | £330,000 | No | Equity only where the car is owned outright |
| Wraith | £245,000 | Yes | Value has held or risen, so there is equity to advance against |
Rolls-Royce
Phantom Finance
From £420,000563 bhp
Rolls-Royce
Spectre Finance
From £330,000577 bhp
Rolls-Royce
Cullinan Finance
From £300,000600 bhp
Rolls-Royce
Ghost Finance
From £275,000563 bhp
Rolls-Royce
Wraith Finance
From £245,000624 bhp
Each card opens the model page, where you can model Rolls-Royce refinance financing against that specific vehicle.
How much can be released against a Rolls-Royce
Three things decide what comes back on Rolls-Royce 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 Rolls-Royce does not move at any point and you keep driving it throughout.
Repayment on Rolls-Royce 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 Rolls-Royce Motor Cars 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.
- £280,000 to £5,000,000
- Rolls-Royce deal range
- 2 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 Rolls-Royce finance against an owned car needs a specialist
Rolls-Royce 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 Rolls-Royce refinance goes to the lenders on our panel that genuinely write against Rolls-Royce Motor Cars cars, and what comes back reflects the individual car, its provenance and its specification rather than a headline rate.
Every Rolls-Royce finance figure on this page is computed from a real list price in our catalogue, from the Wraith up to the Phantom, on the same amortisation the calculator runs. We publish no headline rate because every agreement above £25,000 is underwritten individually, and financing a Rolls-Royce Motor Cars car turns on the asset at least as much as on the borrower.
Whether you arrive calling it Rolls-Royce car finance, luxury car finance, classic car finance and prestige car finance, or simply a monthly payment on a Wraith, 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 a Rolls-Royce that a dealer finance desk does not
- Place Rolls-Royce refinance across a panel rather than with one lender, so a decline on a Rolls-Royce starts the conversation rather than ending it
- Price new, pre-owned and classic Rolls-Royce cars on the same panel, including a Wraith bought privately or a Phantom 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 Rolls-Royce better, even where it is the one we place less often
How Rolls-Royce Motor Cars values set what a lender will advance
A Phantom leaving Goodwood at £420,000 and a Phantom at three years old are separated by a sum that surprises people even when they were expecting it. That is a function of price rather than of the car: the percentage is not far from the luxury-saloon norm, but the percentage of £420,000 is a large number. Past that first cycle the curve flattens hard, and eight-year-old Phantoms move very little year to year.
The Ghost and the Cullinan behave better through the first cycle, the Cullinan best of all, because the demand for a Rolls-Royce sized SUV outruns the number Goodwood makes. The Spectre is the open question in the range. It is the marque's first electric car, and every marque's first electric car has been its softest residual performer so far, so a lender setting a figure on one is guessing more than it would like to.
Bespoke commissions and coachbuild cars are not part of this discussion. They are valued individually and financed individually.
Rolls-Royce takes the largest first-owner depreciation of any marque here in absolute pounds, and then holds unusually steadily.
| Direction | Cars | What it means for a lender |
|---|---|---|
| Holding or rising | Cullinan, Wraith | 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 | Phantom, Spectre, Ghost | 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 Rolls-Royce: Available on Ghost, Cullinan and Wraith. Set cautiously on Phantom given the size of the first-cycle drop, and cautiously on Spectre for want of history.
Rolls-Royce refinance against the other three structures
The four finance options are not interchangeable on a Rolls-Royce, 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 a Rolls-Royce you already hold.
- Works, with a caveat
Rolls-Royce Personal Contract Purchase
PCP is written across the Goodwood range, and it matters most on the Phantom, where the first-owner drop is the largest absolute sum in this catalogue.
- Works, with a caveat
Rolls-Royce Hire Purchase
Hire purchase is the structure for the Rolls-Royce that is going to be kept, and Goodwood produces more of those than any other marque on this site.
- Works, with a caveat
Rolls-Royce Lease Purchase
Lease purchase suits a Rolls-Royce buyer who intends to keep the car for a decade and suits nobody who might want out at four years, because the Phantom's first-cycle drop is the largest absolute sum in this catalogue and on this structure it is yours.
You are here
Rolls-Royce Equity Release
Works, with a caveatEquity release on a Rolls-Royce works once the first cycle has flattened, and on the coachbuild cars it works from the day they are delivered.
Ratings are our own view of how each structure behaves on Rolls-Royce, based on the residual evidence above rather than on which product is easiest to place.
Where equity release stops working on a Goodwood car
A Phantom takes the largest first-owner depreciation of any marque here in absolute pounds, and a three-year-old car still running its original agreement rarely shows anything to release. Past that first cycle the curve flattens hard, and an eight-year-old Phantom moves very little year to year. That is the moment the product starts working: an owned Phantom, Ghost, Cullinan or Wraith with the original car finance long cleared supports a sensible advance against a value that is no longer falling quickly.
The coachbuild cars sidestep the cycle entirely. A Droptail or a Sweptail is valued individually and financed individually, and no residual curve applies to a car built once. It is worth saying plainly at this point that none of this is the equity release scheme people take against a house. That product is a regulated lifetime mortgage on residential property, arranged by different firms under a different regime, and it has nothing to do with refinancing a motor car.
The Spectre is where this stops. It is Goodwood's first electric car with no used-market history to appraise against, and every marque's first electric car so far has been its softest residual performer, so a valuation on one is cautious and a car still on finance will show negative equity. Bespoke commissioning spend on any Rolls-Royce also adds far less to a valuation than it cost.
If that is your position, Lease Purchase is worth putting alongside this one before you decide.
Worth putting alongside this one
Rolls-Royce Lease Purchase
If the car is early in its first Goodwood cycle rather than past it or coachbuilt, and the real objective is a different Rolls-Royce, lease purchase defers the bulk of the cost to an agreed final figure and keeps the monthly payments in proportion.
Related Reading
Rolls-Royce refinance and equity release FAQs
Releasing £75,000 against a Rolls-Royce costs around £1,899 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.
That is close to the ideal case for this marque. By six years the steep part of the curve is behind the car, values move slowly, and the original agreement is normally long settled, so the appraised value is available in full rather than net of a large balance. Expect an individual appraisal covering condition, mileage, specification and history before the advance is set.
As a one-off, because that is what it is. There is no comparable pool for a Droptail, so an underwriter works from the commissioning cost, the specific market for Goodwood coachbuild cars and the documentation behind the build. Fewer comparables means a more conservative valuation than the car's rarity might suggest, which is worth knowing before you set expectations for the advance.
Rarely at this stage. It is the first electric Rolls-Royce, there is no used-market record for a lender to appraise against, and the pattern across every other marque's first electric car has been a softer residual than the combustion equivalent. On a car still carrying finance that combination usually produces negative equity. Owned outright, an advance is possible but conservatively sized.
It is commercial finance, so the funds are drawn for a business purpose and we will ask what that purpose is at the outset. Working capital, a property deposit, a tax bill or the commitment on another vehicle are all ordinary reasons. What matters to the lender is that the purpose is legitimate, that it is documented, and that the repayment plan behind the monthly payments is credible.