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31st Mar 2020 *** Welcome to Lease99 - Please call or email for a quote on any vehicle! ***
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Business Contract Hire

This is the most cost-effective and manageable form of car leasing. It is also the most popular way of hiring a business vehicle as it allows you to run your vehicles for a fixed monthly cost.


  • Contract Hire frees up cash in a business, so instead of tying up capital in a depreciating asset, the company is able to invest in other areas of the business.
  • You avoid having the asset on the balance sheet therefore it avoids financial risk as the business is not committed to the entire cost.
  • Up to 100% of the VAT is reclaimable.
  • Cheaper than ownership if the business replaces vehicles within 3-5 years
  • Road Fund Licence is included for the full contracted term.
  • Optional full maintenance packages are available for all vehicles.

Personal Contract Hire

Personal contract hire is the same as business contract hire but it applies to private individuals.

With a PCH agreement, you have the car for an agreed lease period, with a fixed mileage and you pay fixed monthly payments to a lease company. When the lease expires, you simply hand the car back to the lease company.

For business users, if you are provided with a cash allowance instead of a company car, PCH can help to eliminate facts such as depreciation, maintenance and disposal of the vehicle. You are also able to choose from a larger selection of cars.

As you never actually own the vehicles, you never have to worry about resale values, you simply return and walk away. It’s as easy as that.

Personal Contract Purchase

This is becoming one of the most popular ways of financing a new car. Basically it is hire purchase with a balloon. The finance company decide what the ‘balloon’ amount will be by deciding what the car will be worth at the end of the agreement.

The balloon is called a GFV (Guaranteed Future Value). Your payments are based on the total amount repayable minus the GFV value, spread over the term.

This form of leasing is very flexible as you have 3 options at the end of your contract period:-

  1. Simply hand the car back and walk away
  2. Buy the car outright (Balloon amount)
  3. Part exchange the car for a new model

Finance Lease

Finance lease allows you t spread the cost of the vehicle over a period of time. This is the simplest form of leasing and enables you to drive a chosen vehicle with minimum capital outlay. An advantage is that you can show your car as an asset in the balance sheet.

Sole traders, partnerships, VAT-registered business can all take advantage of financing a vehicle by this method.

The monthly rental is calculated by the initial cost of the vehicle, the finance lease period, the residual value and the end balloon payment. At the end of the agreement the vehicle is sold to a 3rd party by the finance company.

Finance lease agreements are also available to businesses looking to pay the entire cost of the vehicle, including any interest, over an agreed lease period.


  • Low monthly costs and low initial outlay
  • Flexibility with payment options
  • VAT - you can claim up to 50% back.

Outright Purchase

If you would like to buy your car outright, we will source the vehicle for you with the maximum discount included.

Manufacturers are always offering additional support to vehicles that are purchased outright, so please contact us with your requirements and we will be very happy to help.

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