We do not lend money — we get the paperwork right
Hamilton Street Motors is a dealer, not a lender. We do not arrange credit agreements, we earn no commission from anybody who does, and we will not pretend otherwise. What we are good at is the statutory paperwork.
A clear statement on finance
This is the part of the trade where customers are most often misled, so we are unambiguous about it.
What we will do
We will tell you the cash figure in writing, explain how a part exchange changes the difference you need to find, and put every fee on the same page.
- One written figure, no moving target
- Part-exchange allowance stated separately
- Fees shown at their published rates
- Honest answers about what we cannot do
What we will not do
We are not authorised to arrange credit and we do not try to. If you need lending, you will deal with a regulated provider directly.
- No credit agreement arranged by us
- No commission from any lender
- No extended warranty sold alongside a sale
- No fee that appears only at the desk
How to approach it sensibly
Use a regulated provider
Banks, building societies and authorised finance brokers are all regulated. Ask for the total amount payable, not the monthly figure.
Compare the total, not the month
A low monthly payment over a long term can cost far more than a shorter agreement. Ask for the total cost of credit in pounds.
Come to us last
Agree your finance first and then negotiate the vehicle. It keeps the two decisions separate, which is how you get a better deal on both.
The statutory work that comes with a sale
None of this is optional and none of it should be left to you to chase afterwards.
| Document | When we do it | What it means for you |
|---|---|---|
| V5C/2 new keeper slip | At handover | You hold the evidence that the vehicle transferred to you |
| Online keeper change | Within the same week | DVLA records update without you completing a postal form |
| Signed invoice | At completion | One page listing the vehicle and every fee you paid |
| Condition sheet copy | At handover | A written record of the condition at the point of sale |
| Plate retention forms | Before completion, where applicable | The registration moves with you rather than staying with the vehicle |
| Tax and insurance note | At handover | The VED band for that vehicle and the insurance questions worth asking |
What people ask about the forms
Can you tax the vehicle for me?
How long does the keeper change take?
What if the V5C is missing?
Do you handle private plate transfers?
Ask the paperwork questions before you pay a deposit
Bring your licence, your identification and — if you are part exchanging — the V5C. We will tell you exactly what we will complete and what stays with you.