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As already alluded to if you want the car for 3 years then you should sign up to a 4 year PCP and do a VT (voluntary termination). This is a contractual right which says you can hand back a car without penalty after half the total amount is paid. This works out on a 4 year PCP as 36months. Unless u want to change in less than 3 years this is the way to go as the monthlies will be lower on a 4 year deal.
At the end of the day you're buying a depreciating asset. Throwing a larger deposit in is just throwing money into a deal that could be making you a profit invested elsewhere. This is rarely a smart move.
And you should be looking to get £10k off. It's a decent deal but not a great one.
But better deals are always available. You have to decide on a price you're happy with and then go for it. Someone will always come back saying they got more discount.
Good luck
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