Supercar Equity Release in 2026: How the Marque Changes the Advance
Two cars built in Woking wear the same badge. On the indicative values we publish, a McLaren Artura sits at £185,000 and a McLaren P1 at £1,800,000. At 70 per cent of value, the first would support an advance of £129,500 and the second £1,260,000, almost ten times as much. The P1 left production in 2015, so a lender cannot check its value against a showroom price; it has to look at what comparable cars have actually sold for. The Artura is still being built, and its value can be checked in an afternoon. Same marque, same town, very different conversations. That is the real answer to how the marque changes a supercar equity release: it sets the range and the valuation method, and then the individual car sets the figure. This article works through what that means across the 16 marques and 92 models on the site, using only the indicative values we hold.
Car Equity Release is part of Hypercar Finance, a trading name of Lenzie Consulting Ltd (company number 08174104). We arrange finance: we are not a lender, we are not a dealer, and we do not sell cars. The business is not authorised or regulated by the FCA. Agreements entered into wholly or predominantly for business purposes are not regulated consumer credit, which we arrange directly; where an agreement is regulated consumer credit we introduce it to an FCA authorised broker partner, and that firm carries the regulated activity and any advice. There is no minimum advance. Each figure below is indicative, not an offer.
Not affiliated with any vehicle manufacturer. Marque and model names are used to identify the cars we arrange finance against. Vehicle marques named here are the trade marks of their respective owners.
In the episode below, Georgina walks through why two supercars with the same badge can lead to very different advances.
What is supercar equity release?
Supercar equity release is a loan secured against a supercar you already own. You keep the car and carry on driving it. A lender advances a share of its value, typically 50 to 70 per cent, takes security over it for a fixed term, settles anything still owed on it, and pays the remainder to you or into your business.
It has nothing to do with equity release on a house. A lifetime mortgage or home reversion plan is a regulated property product that we neither offer nor advise on, and the free MoneyHelper service is the place to start for that. Here, the security is the car.
The band is the same whichever badge is on the bonnet. What the marque changes is how the lender gets to a value, how confident it can be in that value, and therefore where within the band a particular car is likely to land.
Does the marque change the advance, or does the car?
Both, but not in the way most owners expect. The model matters less than people assume, because a lender is valuing your specific car rather than the name on it. Two examples of the same model can be valued far apart on mileage, originality, specification, service history and the number of previous owners.
The badge decides how a supercar is valued. The individual car decides what it is worth.
Where the marque does make a difference is in the context around the valuation. A marque with most of its models still in production has a live market and prices a lender can check quickly. A marque whose most valuable cars are long out of production has to be valued from comparable sales, which are thinner and slower to gather. And a marque with an enormous spread between its cheapest and dearest models tells you very little on its own about what any one car will raise.
Which lender is right also follows the car. The lenders prepared to advance against a current supercar in volume are rarely the ones prepared to lend against something that has been out of production for 20 years, and placing the case with the wrong one wastes a credit search.
In production or out of it
This is the single biggest way the marque shapes a valuation. Of the 16 Porsche models on the site, 14 are still in production, and all 5 Mercedes-AMG models are current. Lamborghini runs the other way: 7 of its 11 models are no longer built, the oldest going back to 1990, and manufacturer data dates the Murciélago to a run from 2001 to 2010, with an indicative value of £200,000 today. Pagani has 4 of its 5 models out of production, and Jaguar’s two F-Type models on the site both ended in 2024.
A car still being built can be checked against what the same car is selling for now. A car out of production is valued from what comparable examples have achieved, which takes longer and leans heavily on the individual car’s history. A complete, well-kept file of invoices and inspections does more work on a 1990s Lamborghini than on a new one, simply because there is less else for the valuer to go on.
None of this makes an older car harder to borrow against in principle. It changes how long the valuation takes and which lenders are interested. Our manufacturer index shows, for every marque, which models are current and which are not.
The spread inside a single badge
Across the site, indicative model values run from £30,000 to £5,400,000. Inside individual marques the spread can be just as wide. A Lotus Elise at £30,000 and a Lotus Evija at £2,040,000 are 68 times apart. A Porsche Macan at £51,000 and a 918 Spyder at £1,500,000 are 29 times apart. So “a Porsche” or “a Lotus” says almost nothing about the advance on its own.
For that reason the worked figures below use the middle value of each marque’s models, not the midpoint of its range. The midpoint of the Porsche range would describe a £775,500 car that nobody owns, dragged upwards by one halo model. The middle value lands on a real price within the range.
| Marque | Models listed | Still in production | Middle model value | Advance at 70 per cent |
|---|---|---|---|---|
| Ferrari | 8 | 6 | £302,500 | £211,750 |
| Rolls-Royce | 5 | 4 | £300,000 | £210,000 |
| McLaren | 6 | 2 | £274,750 | £192,325 |
| Aston Martin | 5 | 3 | £189,000 | £132,300 |
| Mercedes-AMG | 5 | 5 | £157,000 | £109,900 |
| Porsche | 16 | 14 | £143,500 | £100,450 |
At the very top, Bugatti, Pagani and Koenigsegg sit in a different bracket altogether. Every model listed for those three is a hypercar, and their middle values run from £2,400,000 to £3,200,000. On a Bugatti at £3,200,000, a 70 per cent advance would be £2,240,000. At that level the pool of interested lenders is small, which is exactly why there is no single panel we send everything to.
Body type and specification
Marques also differ in the kinds of car they build, and those kinds are not valued the same way. Porsche models on the site cover sports cars, a hypercar, electric cars, SUVs and a grand tourer. Bentley’s are grand tourers and an SUV. Every Bugatti, Pagani and Koenigsegg listed is a hypercar. An SUV with a live used market is priced very differently from a limited-run hypercar whose value depends on a handful of recent sales.
Specification can matter as much as body type. Options, special editions and colour combinations can move a supercar’s value by a wide margin, and a valuer will ask about them. So will a lender, about whether the car has been kept in the United Kingdom. None of this is unusual, and having the build sheet and history ready shortens the process.
What it costs at the middle of the Ferrari range
Take a hypothetical Ferrari at £302,500, the middle value of the eight Ferrari models we list, owned outright. At 70 per cent of value the advance is £211,750. Over 48 months at an indicative 8.9 per cent, with nothing deferred, the monthly rate i is 8.9 divided by 12, about 0.7417 per cent. The payment is the advance multiplied by i, divided by one minus (1 + i) to the power of minus 48, a factor of 0.024838, which comes to £5,259 a month and £252,449 across the term, of which £40,699 is interest.
Asking for less changes more than the payment. At 50 per cent of value the advance on the same car would be £151,250, and the rate usually improves as well, because the lender has less at risk. Where the Consumer Credit Act 1974 applies, the agreement goes to an FCA authorised broker partner we introduce it to; where the borrowing is wholly or predominantly for business, it is not regulated consumer credit and we arrange it ourselves. The 50 to 70 per cent band is the same starting point on both routes.
Supercar equity release in 2026: the outlook
The Bank of England held Bank Rate at 3.75 per cent at its 30 July 2026 decision, and its next decision is due on 17 September 2026. That is background, not the rate a supercar owner pays, which follows the car, the borrower and the share of value advanced. Over the coming year the more telling factor for any individual owner is likely to be the market for their particular model, especially for cars that have left production, where a handful of sales can move the comparable evidence a lender relies on.
FAQ
What are the downsides of supercar equity release? It is secured borrowing, so the car cannot be sold until the finance is settled. The total cost across the term can be substantial, as the Ferrari example shows. And if the valuation comes in lower than you expected, the advance falls with it. If the car’s value drops during the term, the lender’s security still stands.
What is the best way to finance a supercar? It depends on whether you are buying or already own one. For a purchase, hire purchase, lease purchase and PCP are the usual routes. For a supercar you already own, supercar equity release raises capital against it without selling. Compare the total payable across the term, not just the monthly payment.
What interest rate applies to supercar equity release in 2026? The examples on the site use an indicative 8.9 per cent. The actual rate follows the car, the borrower and the share of value advanced. Property equity release rates are a separate matter entirely, and we do not advise on them.
Can I release equity from a supercar I still owe money on? Yes, as long as the car is worth enough for the advance to clear what is owed. The lender settles the existing agreement directly and releases the difference. Get a settlement figure from your current lender first, because that is the number the calculation actually uses.
Talk to us
To see where your car sits, browse every marque and model we cover, each with indicative values and the advance a lender would typically offer, or read how car equity release works for a car you already own. See also how the process runs from first call to funds.
All figures in this article are indicative, not an offer, a quote or a financial promotion, and any agreement is subject to lender terms, valuation and full underwriting. This article was written by Matt Lenzie.