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Middlehurst Garage are an Alphera Financial Services Business partner. Our finance rate is fixed at at an interest rate of 10.9% APR representative for both ALPHERA Select (PCP) and ALPHERA Hire Purchase finance products.
Below is some more information about the finance products we offer through Alphera Financial Services.
*Middlehurst Garage is a credit broker not a lender
ALPHERA Select
ALPHERA Select – finance with the flexibility to work for you
There’s a good reason why ALPHERA Select is our most popular finance product for new and used cars. Because it features a Guaranteed Future Value (GFV), you can defer a proportion of your car’s value until the end of the agreement as an optional final payment.
That means your monthly payments could be less than you think – giving you the choice of adding more extras to your vehicle or upgrading to a higher specification model, without breaking your budget.
Alternatively, you might opt to simply pay less each month for the car you want (compared to a hire purchase agreement) and still have the flexibility to buy it outright at the end of the agreement, although the total amount you pay might be higher.
With ALPHERA Select, the choices are all yours.
Is it right for you?
ALPHERA Select is perfect if you want the flexibility to decide whether to buy the car at the end of your agreement, while making lower payments each month.
How it works
You choose the vehicle you want (new or used) and we agree a finance plan that suits you, taking into account the contract length (usually between 24 and 48 months), your estimated annual mileage, and the deposit you’ll pay. Again, you’re in control – if you have a monthly payment or particular deposit in mind, we’ll work the repayment plan around your budget and lifestyle.
At the end of your agreement, you’ll have three options:
  • Pay the optional final payment and keep your vehicle.*
  • Part-exchange your vehicle for a new one.**
  • Return your vehicle and, as long as you have not exceeded the mileage allowance and it has been well looked after, there will be nothing more to pay.***
In both the first two options, if the value of your car is more than what we predicted for you in the Guaranteed Future Value (GFV), you will benefit. If the market value is lower than our GFV prediction, you can choose to return the car to us with nothing further to pay, other than any excess mileage or damage charges.
Terms and conditions
The optional final payment is payable at the end of the agreement if you decide to purchase the vehicle. We remain the owner of the vehicle during the agreement and we may become entitled to recover the vehicle if you do not keep up your repayments.
**If you part exchange the vehicle for a new car, any surplus in the vehicle’s part exchange value over the optional final payment (and option to purchase fee) can be used as a deposit towards a new vehicle.
***If the vehicle’s value is less than the optional final payment, you can hand it back to us without paying the optional final payment. However additional charges may be payable for both excess mileage (actual mileage higher than agreed contract mileage) and vehicle condition (using the standards set by the British Vehicle Rental and Leasing Association BVRLA vehicle condition guide).
Finance is subject to status and available to over 18s in the UK only. Guarantees and indemnities may be required. Advertised finance is provided by ALPHERA Financial Services, a trading name of BMW Financial Services (GB) Limited, Summit ONE, Summit Avenue, Farnborough, Hampshire GU14 0FB.
ALPHERA Hire Purchase
ALPHERA Hire Purchase – easy budgeting, unrestricted mileage
The beauty of ALPHERA Hire Purchase lies in its simplicity. There are no restrictions on your annual mileage in your agreement, so you’re free to get on with enjoying the vehicle in the way you want. You just pay a deposit and then make regular monthly payments until the agreement comes to an end, at which point you’re the vehicle’s owner.
And because your monthly payments are fixed at the outset, budgeting couldn’t be easier.
Is it right for you?
ALPHERA Hire Purchase is perfect if you want to make fixed monthly payments towards owning your vehicle, free from restrictions on your mileage.
How it works
Once you’ve chosen the model that’s right for you, simply decide how much you would like to put down as your deposit and how long you would like your finance agreement to last (between 24 and 60 months).
Next, we’ll calculate your monthly payments, which will include interest and fees. Once all payments have been made at the end of the agreement, you own your vehicle*.
Terms and conditions
* Finance is subject to status and available to over 18s in the UK only. Guarantees and indemnities may be required. Advertised finance is provided by ALPHERA Financial Services, trading as BMW Financial Services (GB) Limited, Summit ONE, Summit Avenue, Farnborough, Hampshire GU14 0FB.
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FINANCIAL DISCLOSURE
Middlehurst Road Race & Classic is registered in England and Wales under company number: 689213. Middlehurst Road Race & Classic is authorised and regulated by the Financial Conduct Authority, under FCA number: 313132. We act as a credit broker not a lender. We work with several carefully selected credit providers who may be able to offer you finance for your purchase. (Written Quotation available upon request). Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates. All finance is subject to status and income. Terms and conditions apply. Applicants must be 18 year or over. We are only able to offer finance products from these providers.

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Representative Example PCP

An OTR Cash Price of £14,499.00 with a deposit of £2,899.80 leaving an amount of credit of £11,599.20. The agreement is resulting a Representative 9.9% APR and a total amount payable of £18,339.25. Payments are based on a duration of agreement of 60 months, with a first monthly payment of £ 192.73, regular monthly payment of £192.73 and a final monthly payment of £4,068.38.
View Finance Disclosure

FINANCIAL DISCLOSURE
Middlehurst Road Race & Classic is registered in England and Wales under company number: 689213. Middlehurst Road Race & Classic is authorised and regulated by the Financial Conduct Authority, under FCA number: 313132. We act as a credit broker not a lender. We work with several carefully selected credit providers who may be able to offer you finance for your purchase. (Written Quotation available upon request). Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates. All finance is subject to status and income. Terms and conditions apply. Applicants must be 18 year or over. We are only able to offer finance products from these providers.

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J Middlehurst & Sons Ltd. trading as Middlehurst Garage - Registered Address: Middlehurst Garage, Jackson Street, St Helens, Merseyside, United Kingdom, WA9 1AW.
We are authorised and regulated by the Financial Conduct Authority for credit brokerage. FRN 313132

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