Equity Release

Release the cash tied up in your vehicle with our competitive terms and fast and flexible service

The high-value car market has achieved phenomenal growth in value during recent years. So now might be the time to release some of the equity currently tied up in your vehicle. We can help by leveraging the value of your car through equity release, also known as ‘sale and hire purchase’.

It’s relatively straightforward. If you own a high-value car, whether modern or classic, which is valued at more than £100,000, we can arrange to buy your car and then sell it back to you on a hire purchase agreement. No car dealers are involved in the process (so no awkward haggling) and the funds are released directly into your bank account.

We’re a direct lender, not a broker, so we assess every car we finance individually.
If you’re interested in making the cash tied up in your high-value vehicle work harder, it’s well worth calling us on 020 3355 0035 and asking us for a quotation. There’s no obligation to sell and the funds could be in your account much sooner than you think.

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CALCULATE YOUR MONTHLY REPAYMENT

Use our bespoke finance calculator to discover how we could help you get the car of your dreams.

JBR Capital Luxury car finance provider

Who is equity release for?

We’ve helped customers wanting to raise capital to pay for investment properties, looking to extend their collection of investment-grade cars or who just need liquid assets for personal reasons.

Not sure if this is the right choice?

If you’re interested in finding out more about how much money you could access through equity release, it’s well worth calling us on 020 3355 0035 and asking us for a quotation.

How does it work?

We will take care of all the paperwork, including the sale and the hire purchase agreement, cutting through the complexity. Most of our customers get the go-ahead on their finance within a week.

Finance agreement types

Hire Purchase

Choosing a Hire Purchase agreement allows you to pay for your car in monthly installments. Normally the APR (Annual Percentage Rate) is set before the contract, and loan periods are typically three to five years.

Lease Purchase

Owning your own classic car has never been more affordable, thanks to our lease purchase options. Choosing a lease purchase agreement lets you make regular payments, similar to a hire purchase agreement, but with a balloon payment at the end of the fixed term.

Equity Release

The high-value car market has achieved phenomenal growth in value during recent years. So now might be the time to release some of the equity currently tied up in your vehicle. We can help by leveraging the value of your car through equity release, also known as 'sale and hire purchase'.

More Finance Products

CREDIT LINE FINANCE

We can offer a credit line allowing you to move very quickly and clinch the deal when your chosen vehicle does come up.

LEASE PURCHASE

A lease purchase agreement lets you make regular payments, similar to a hire purchase agreement, but you own the car at the end of the fixed term.

Hire Purchase

Owning your own supercar, classic car or prestige car has never been more affordable, thanks to our hire purchase options.

Refinance

We can refinance existing finance agreements with your existing lender, and arrange bespoke terms to fit your exact circumstances.

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BESPOKE FINANCE

Finance personally designed to suit you and your vehicle

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EXPERT KNOWLEDGE

We specialise in high-end vehicles. That’s our only focus

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PERSONAL SERVICE

Face-to-face conversations, decisions made by humans

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COMPETITIVE RATES

Fast results, with the ability to achieve low monthly repayments

EQUITY RELEASE FAQs

How does car finance differ from leasing?

When you lease a car, you make monthly payments but the vehicle is returned to the finance provider at the end of the lease. With our finance options, you own the vehicle at the end of the agreement.

Can I reduce my monthly payment?

You can reduce your monthly repayments by putting down a larger deposit at the start of a finance agreement, or deferring a lump sum (also known as a balloon payment) until the end of the agreement, which can be a useful option in some circumstances. Call us to discuss your options and we can explain more.

What happens at the end of the agreement term?

You have several options. You can pay off the balance and own the car outright, you can refinance the balloon sum for an additional term or you can sell the car to pay the balloon sum and keep the remaining equity yourself. It’s up to you.

I HAVE BAD CREDIT; CAN I STILL GET CAR FINANCE?

The short answer is: Quite possibly. We take a holistic approach to credit underwriting and assess each application on its own merits. There are often very valid reasons why someone has a less than perfect credit history, and we always take into account each individual’s circumstances. If you’d like to discuss this, we’d be delighted to explain further.

What they say about us on...

JBR Capital 5 start trustpilot

 

"I was introduced to JBR when I was looking to source my next car. They were great to deal with, not pushy, and helped me every step of the way...even when dealing with the dealership. Great service. I will definitely use them again."

"Absolutely lovely honest business would highly recommend Made us all feel very welcome and comfortable. Definitely five star service"

"I've purchased many different super cars in the past and I can honestly say dealing with jbr capital was a pleasure. Thanks JBR."

Ever wondered which supercar best represents you and your personality? Find out in our quiz.

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