Family cars from €40,000 – €50,000

After a five year wait, the arrival of one of the most keenly anticipated hot hatch, the Honda Civic Type R.

The Honda Civic Type R.

With this type of a budget there is a huge amount of choice writes Geraldine Herbert

With a budget this large it is unlikely anyone will opt for a small hatchback but for comparison purposes we have stayed with that format here too. Also with regard to finance it is fair to assume that most buyers would have a reasonably expensive car to use as a deposit so the amount put down is likely to be greater than 20% but again for comparison purposes we have used 20% as the amount for all categories.

Honda Civic Type R

In this price range if you are opting for small family hatchback you have  a dazzling array of seriously hot hatches and the Type R is one of the best around. Powered by the most extreme and high-performing engine in the models history and it is also the fastest accelerating front wheel drive car currently on the market.  The practicality of a regular Civic is retained – there’s plenty of space for all, though space in the back is a little tight.  There is also a really decent sized boot but Honda’s ‘Magic Seats’ were sacrificed to save weight. That power comes from a turbocharged 2.0 litre VTEC petrol engine with peak power output of 305bhp at 6,500rpm, and peak torque is 400Nm at 2,500rpm. On the road it is incredible involving and amazingly quick, it feels like it could become airborne at any stage.  Officially the Type R will return 7.3 litres per 100 km or 38.7mpg, and with emissions of 170g/km it will cost €570 a year to tax it. The Honda Civic Type R is a fantastic car, it is composed, reasonable practical, fast and yet still smile-inducing fun.

Euro NCAP Safety Rating: 5 stars

Starting Price: €48,750

Also Consider:  VV Golf R

Finance Options for Civic Type R

Price €48,750

Deposit Amount €9,750     (20%)

Finance Amount € 39000

(There is currently no PCP arrangement offered)

 

BOI

Monthly Payments €1,209.56

Total Cost of Credit €4,544.16

%  APR  7.5

 

AIB

Monthly Payments €1,250.34

Total Cost of Credit €6012.24

%  APR  9.99

 

Ulsterbank

Monthly Payments €1215.29

Total Cost of Credit €4,750.44

%  APR  7.9

 

Credit Union

Monthly Payments €1,210.58

Total Cost of Credit €45080.85

%  APR  7.61

 

BMW 5 Series

BMW 5 Series

BMW 5 Series

Despite being due for replacement later this year the BMW 5 series is still a great blend of style, luxury, comfort, handling and road holding. It is showing it’s age however and the recent arrival of all new Mercedes E-Class has only highlighted that fact. The new model is likely to be powered by a range of new engines and a plug-in hybrid option along with much of the technology from the flagship BMW 7 Series. In the current range there is a good choice of engines and versions to choose from but the diesels are the best suited to the car. Specification levels are SE, Modern, Luxury and M Sport and are reasonably generous but be warned options are extensive and expensive. One of the very best saloons around the ‘ultimate driving machine’ tagline still applies.

Euro NCAP Safety Rating: 5 stars

Starting Price: €45,200

Also Consider: Audi A6

Finance Options for 520D SE Automatic

Price         €50,053

Deposit Amount (20%)        €10,012

Finance Amount          €40,041

 

PCP      

%  APR  3.90%

Monthly Payments      €576

Guaranteed Minimum Future Value:       €22,889

Total Cost of Credit    €3,734.63

 

HP 

%  APR  7.30%

Monthly Payments      €791.91

Total Cost of Credit   € 7,623.95

 

BOI

Monthly Payments €1241.85

Total Cost of Credit €4,665.60

%  APR  7.5

 

AIB

Monthly Payments €1,283.71

Total Cost of Credit €6172.56

%  APR  9.99

 

Ulsterbank

Monthly Payments €1,246.45*

Total Cost of Credit €4,872.20

%  APR  7.9

(* Max of 40,000 can be borrowed from Ulster bank)

 

Credit Union

Monthly Payments €1,242.89

Total Cost of Credit €4703.12

%  APR  7.61

 

Ford Galaxy

Ford Galaxy

Ford Galaxy

Over shadowed by the much sexier S-Max, the brilliant Ford Galaxy is worth considering if you need the third row of seats to be used by adults and not just children. While it gains very little in space over the S-Max, it is noticeably better in terms of headroom and leg room so even six footers can be accommodated without too many squabbles and complaints. From the outside the new third generation Galaxy is instantly recognisable and apart from the new grille and headlamps little has really changed but inside there is now a  much classier interior crammed with cutting-edge technology. Behind the wheel it feels considerably smaller and more agile than its size would suggest. Most Galaxy owners are likely to opt for a diesel engine so there are range of 2.0-litre units to choose from and one petrol a 1.5-litre Ecoboost.

Euro NCAP Safety Rating: 5 stars

Starting Price: €38,860

Also Consider: Seat Alhambra

Finance Options for Galaxy Titanium 5Dr 2.0L 150PS

Price €44985

Deposit Amount € 8997   (20%)

Finance Amount € 35998

 

PCP

%  APR 4.25

Monthly Payments €587

Guaranteed Minimum Future Value: €17,000

Total Cost of Credit €2,144

 

 

BOI

Monthly Payments €1,116.46

Total Cost of Credit €4194.56

%  APR  7.5

 

AIB

Monthly Payments €1,154.10

Total Cost of Credit €3437.40

%  APR  9.99

 

Ulsterbank

Monthly Payments €1121.80

Total Cost of Credit €4,384.80

%  APR  7.9

 

Credit Union

Monthly Payments €1,117.40

Total Cost of Credit €4228.24

%  APR  7.61

Land Rover Discovery Sport

Land Rover Discovery Sport

Land Rover Discovery Sport

The Discovery Sport is the first in a new family of Discovery models from Land Rover. While is it essentially a larger and more practical Evoque it is clearly aimed at a completely different market with the needs of a family firmly at its core. It is available in both a five seat or seven seat option. Inside it is particularly impressive and the amount of space, given its compact size, is remarkable. There is plenty of head and legroom front and back and more than sufficient room in the fold-flat third row to accommodate children or the occasional adult.  Sport buyers can choose from a range of engines but the pick of the bunch is  the 2.0-litre diesel  Ingenium engine with emissions of just 119g/km it is also available in front-wheel drive. There is also a choice of a six-speed manual or the silky smooth nine-speed automatic and four trim levels – S, SE, HSE and HSE Luxury. The Discovery Sport is one of the most impressive and capable compact SUVs around.

Euro NCAP Safety Rating: 5 stars

Starting Price: €41,565

Also Consider: Volvo XC60

Finance Options for Discovery Sport 2.0 TD4  S

Price €40,565

Deposit Amount € 8,113   (20%)

Finance Amount € 32452

 

PCP

%  APR  5.75

Monthly Payments €545

Guaranteed Minimum Future Value: €17,240

Total Cost of Credit € 4,300

 

BOI

Monthly Payments €1,005.64

Total Cost of Credit €3,775.04

%  APR  7.5

 

AIB

Monthly Payments €1,040.41

Total Cost of Credit €5,002.76

%  APR  9.99

 

Ulsterbank

Monthly Payments €1,011.18

Total Cost of Credit €3,952.48

%  APR  7.9

 

Credit Union

Monthly Payments €1,007.33

Total Cost of Credit €3,811.74

%  APR  7.61

€10,000 – €20,0000

€20,000 – €30,0000

€30,000 – €40,0000

€50,000 +

 (All finance details are based on a 20% deposit unless otherwise stated and over a three-year period. As rates vary from branch to branch the credit union rate quoted is the average Car Loan rate offered in 2015)

Geraldine Herbert

28th June, 2016

Author: Geraldine Herbert

Contributing Editor and Motoring Columnist for the Sunday Independent and editor of wheelsforwomen. Geraldine is also a regular contributor to Good Housekeeping (UK) and to RTÉ Radio One, Newstalk, TodayFM and BBC Radio. You can follow Geraldine on Twitter at @GerHerbert1

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