Frequently Asked Questions

Car leasing is a simple and affordable way to drive a new vehicle without owning it. You pay an initial rental followed by fixed monthly payments over an agreed term, typically between 2 and 5 years. At the end of the agreement, you simply return the vehicle and choose your next one.

Personal Contract Hire (PCH) is designed for private individuals, while Business Contract Hire (BCH) is available to limited companies, partnerships and sole traders. Business leasing can offer additional benefits such as VAT recovery for eligible businesses and often provides a tax-efficient way to fund company vehicles.

Your lease agreement includes the use of the vehicle for the agreed term and mileage. Road tax is usually included for the duration of the lease. Insurance, fuel, charging costs and maintenance are not typically included unless you choose a maintenance package.

Once you've selected your vehicle and preferred contract, we'll provide a quotation and submit your application to the finance provider. Following approval, we'll arrange delivery of your vehicle and guide you through the paperwork. Our team will keep you informed every step of the way.

Yes. Many lease agreements allow you to add a maintenance package for an additional monthly cost. This can help you budget by covering routine servicing, maintenance and, in many cases, replacement tyres.

At the end of your agreement, the vehicle is collected and returned to the finance provider. Provided the vehicle is in line with the accepted fair wear and tear standards and has not exceeded the agreed mileage allowance, there are usually no further charges to pay.

Lease agreements are based on an agreed annual mileage. If you exceed this allowance, an excess mileage charge will apply when the vehicle is returned. If your circumstances change during the lease, it's often possible to discuss adjusting your mileage allowance before the agreement ends.

Lease agreements are designed to run for the full contract term. Early termination is possible in some circumstances, but charges are likely to apply. If your situation changes, our team can discuss the options available and help you understand any costs involved.

Salary sacrifice is an employee benefit scheme that allows eligible employees to lease an electric vehicle through their employer using their gross salary. Because payments are made before tax and National Insurance deductions, employees can often make significant savings while driving a brand-new electric vehicle.

Absolutely. Thanks to our extensive network of manufacturers, dealerships, leasing companies and suppliers, we're often able to source vehicles that may not currently appear on our website. If you're looking for a specific make, model or specification, simply get in touch and we'll do our best to help.

At Rayner Smith Finance, we combine over 70 years of automotive and finance experience with a personal, relationship-driven approach. As an independent broker, we work with a wide panel of trusted lenders and leasing providers to help customers find competitive solutions tailored to their needs. From your first enquiry through to vehicle delivery and beyond, you'll have a dedicated point of contact committed to making the process straightforward, transparent and stress-free.