In a world where cars are often seen as depreciating assets, some vehicles defy the norm and actually make you money back. Whether through strong resale values, low maintenance costs, or unique market demand, certain cars have earned a reputation for being smart investments.
From classic models that appreciate over time to modern vehicles that hold their value through every mile, these cars offer more than just utility—they provide financial returns. If you’re looking for a ride that won’t drain your wallet, these cars might just be the smart financial move you’re looking for.
Cars That Make You Money Back
Imagine being able to buy an exciting car for under £10,000 today, enjoy driving it for a year, and then sell it for even more once you’re ready to move on! Here’s a selection of vehicles we’re keeping a very close eye on.
BMW E36 M3
Current values from £5000
There’s no need for us to explain what BMW’s M division represents you already know its legacy. The M3 is widely celebrated as one of the finest all-round performance cars ever made.
The E36 generation of the M3 was introduced in 1995, stepping into the shoes of the iconic E30.
While the E36 had high expectations to meet, it was somewhat dismissed by enthusiasts who felt BMW’s PR department influenced its development too much, softening the motorsport edge typically associated with M cars.
Because of this even though it sold well the E36 was never expected to become a standout model. More than two decades later, however, you can now pick up an E36 M3 for as little as £4000.
And in our view, it’s unlikely they’ll ever be this cheap again. If you buy one now, it’s realistic to expect a return of up to £1000 per year possibly even more.
The 1992 BMW M3 marked the debut of a six-cylinder engine in the M3 lineup. Unlike its iconic predecessor, the E30 M3, this generation was offered in three body styles: coupe, sedan, and cabriolet.
The immense success of the E30 M3 prompted the BMW board to seriously consider a second generation of the M3. With the M5 also receiving high praise in the market, there was little reason not to focus on the follow-up to the M3. Development of the E36 M3 began well before production started.
In contrast to the more aggressive appearance of the previous model, the E36 M3 presented a subtler design. It didn’t feature the flared arches or the prominent rear wing found on the E30. Instead, it came with distinct bumpers and more aerodynamically styled sills, with different rear-view mirrors. Notably, the M3 of this generation was absent of any spoilers or wings at the back.
Inside, the E36 M3 stood out with specific changes compared to other models in the E36 series. The front seats were sportier, being sport-bucket style, and the upholstery was unique to the M3. The M badge appeared on both the instrument cluster and the seats, adding a signature touch.
In Europe, the 1992 M3 was equipped with a 3.0-liter engine that produced 286 hp. However, due to fuel and regulatory restrictions, the U.S. version only offered 240 hp. After 1995, the engine was upgraded to a 3.2-liter unit. This boosted the European model’s output to 321 hp, while the U.S. version retained the 240 hp but offered more torque.
Pre-facelift models were paired with a 5-speed manual transmission, while post-1995 versions were fitted with a 6-speed. Both versions also offered an optional robotized gearbox, the SMG, for those seeking an alternative to the manual transmission.
Mazda MX5/Miata (MK1)
Current values from £900
Arguably one of the most unfairly stereotyped cars on the internet. Sure, it’s often jokingly referred to as the hairdresser’s car of choice, but it also holds a solid reputation as one of the best-handling budget sports cars available.
Beloved across the world by Sunday drivers on scenic backroads, track day enthusiasts, and collectors alike, the MK1 is about as accessible as it gets.
While it’s true that a large number were originally produced, the somewhat fortunate reality is that many haven’t survived whether due to severe rust or unfortunate encounters with tyre walls during spirited driving on track days.
But as the number of surviving examples drops, rarity increases and with rarity comes rising values. That makes now a very smart time to buy.
If you pick up a clean, straight MK1 MX5 today, you can reasonably expect its value to increase by a few hundred pounds each year. And if you choose to hold onto it like Alex did, you’re guaranteed to have a blast!
The Mazda MX-5 is one of the most beloved and instantly recognizable sports cars on the market, boasting a global fan base and an impressive collection of awards. First launched over 30 years ago, the original MX-5 focused on delivering a driving experience that put a huge smile on its owner’s face.
The car has earned its reputation as a “fun car” and continues to deliver on that promise. The current iteration of the MX-5 retains all the essential elements that have made it a success, including being the most affordable in its class.
Today, buyers can choose between the MX-5 Roadster, a soft-top version, and the MX-5 RF (Retractable Fastback), which features a folding metal roof for additional security. This review will cover both body styles and explore how they compare to some of the top sports cars in the market, including the nimble Alpine A110, the powerhouse Porsche 911, and the MX-5’s direct competitor, the BMW Z4.
The Mazda MX-5 Roadster and MX-5 RF, both equipped with the 1.5-liter engine and Prime-Line trim, are fantastic two-seaters for those who want a sports car without breaking the bank. While they may not be as fast as pricier sports cars, their free-revving engines, smooth gearbox, and agile handling make them worth considering.
The MX-5 offers a good balance of ride and handling, with performance that suits UK roads well and low running costs, making it an attractive choice. However, there are some downsides, such as limited headroom for taller drivers, minimal storage space, and a driving position that could benefit from a greater range of adjustment.
In terms of pricing, the best deal for the MX-5 starts at £27,490, with an estimated monthly payment of £367. Leasing options start from £321 per month, making it an affordable option for many sports car enthusiasts.
When it comes to performance, the MX-5’s 1.5-liter engine, which produces 130bhp and takes 8.3 seconds to go from 0 to 62mph, may seem modest, especially when compared to the Porsche 911. The RF version, with its heavier roof, takes slightly longer, at 8.7 seconds.
Despite its slower acceleration, the 1.5-liter engine still provides lively performance at an affordable price point. For those seeking more power, the 2.0-liter engine delivers 181bhp, offering better mid-range punch and a more enthusiastic top-end. The 2.0-liter version reduces the 0-62mph time to 6.5 seconds, faster than the entry-level BMW Z4 but not quite up to the level of the Alpine A110.
Regarding suspension and ride comfort, the 1.5-liter MX-5 features a softer suspension, providing relative comfort over most road surfaces despite its low-slung design.
It handles speed bumps with ease and is not overly affected by road cambers. The 2.0-liter models come with a firmer sports suspension, offering more focused handling, though you will notice rougher surfaces and expansion joints more, but it’s not uncomfortable.
The handling of the MX-5 is one of its standout features. Its light weight makes it feel nimble, and the precise steering allows drivers to navigate corners with confidence and enthusiasm.
While it may not match the Porsche 718 Boxster, the MX-5 offers a more engaging experience than the BMW Z4. The RF model, which adds 45kg of weight, still delivers great handling but lacks the same balance as the Roadster when driven enthusiastically. The rear-wheel-drive layout gives the MX-5 a more balanced feel compared to similarly priced front-wheel-drive hot hatches.
Noise and vibration are part of the sports car experience, and the MX-5 delivers in this regard. The soft-top and hard-top versions produce acceptable noise levels for a sports car, though there is noticeable wind and tire noise at motorway speeds.
With the roof down, the convertible version is a bit blustery, but the RF’s redesigned roof causes more air to enter the cabin. The engines, particularly on cold starts, can be loud, but they offer a throaty sound when revved enthusiastically. There is also noticeable engine vibration through the steering wheel, and the MX-5 doesn’t have the same level of refinement as the Z4.
The manual gearbox, known for its short and precise shift pattern, adds another element of enjoyment to the driving experience and is considered by many to be one of the best in the business.
In terms of interior layout, the MX-5 has a smart, easy-to-use infotainment system and a stylish interior. However, the seats could offer more support, and taller drivers might struggle to find an ideal driving position.
The MX-5’s driving seat is designed to give a sporty position, with your legs extended forward as if you were in a go-kart, and your body positioned low to the road. While many drivers will find this setup appealing, getting in and out can be somewhat awkward.
For most drivers, the MX-5 provides a comfortable seat, and long journeys shouldn’t be too tiring, though the BMW Z4 may offer more comfort for extended trips. The gear lever is perfectly placed for a sporty driving feel, and the central armrest is well-positioned, with a user-friendly dashboard layout.
Visibility in the MX-5 is generally clear, with good forward visibility and a windscreen design that doesn’t obstruct your view at junctions or roundabouts.
However, the rear view is limited, particularly with the roof up, due to a tiny rear window. The RF model adds an obstruction when the roof is down because of the rear buttress. To aid parking, rear parking sensors are standard across the range, and all 2.0-liter models come with a reversing camera.
In summary, the Mazda MX-5 remains a fun, affordable sports car that offers a thrilling driving experience, though it has some limitations in terms of comfort and practicality. Whether you choose the Roadster or the RF, it’s an engaging choice that will likely leave you grinning every time you get behind the wheel.
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Porsche 911 (996)
Current values from £8500
Imagine being able to own one of the world’s most iconic sports cars for under £10,000. With the 996-generation 911, that’s a reality.
Porsche produced a huge number of 996 models, and they came in various versions. The rarer high-performance variants like the Turbo and GT2/GT3 have already begun to soar in value.
The standard Carrera 2 models, however, are still within financial reach but likely not for much longer.
Some buyers have been put off by the so-called ‘fried egg’ headlights and the rapidly declining values of the newer 997, which can now be found for as little as £20,000. Still, we believe the 996 presents a golden opportunity.
At the moment, buying virtually any 911 is a safe bet if you’re looking to see a return. The “Porsche value appreciation” trend is very real, so take advantage while you still can because it certainly won’t last forever.
BMW M5 (E39)
Current values from £6000
We return to BMW’s legendary M division for another potential gem for investors. The E39 M5, powered by a formidable 5.0-litre V8, is a super saloon that’s widely considered to have serious future value.
In recent years, many potential buyers have been deterred by its infamous appetite for fuel averaging below 15mpg is quite normal. This makes it far from ideal for anyone commuting in the city on a budget.
With fuel prices rising steeply in recent times, the appeal of owning an M5 understandably dipped. However, it’s still a true performance machine that’s already beginning to attract serious interest from collectors and driving purists.
If you search thoroughly, you can still find an E39 M5 today for around £6000.
And if you get your hands on a well-maintained example, there’s a good chance you’ll recover that investment possibly even offsetting its fuel costs when you decide to sell it in 4 to 5 years.
The BMW M5 has long adhered to a familiar formula: it’s the most aggressive and powerful version of the 5-series sedan, featuring more horsepower, a reworked chassis, and a bolder exterior to match its performance intent.
That core identity continues with the new 2025 M5, though this time it arrives with a significant twist—the M5 is now exclusively a plug-in hybrid (PHEV), combining a V-8 engine with an electric motor.
While this shift might raise eyebrows among M5 traditionalists, the performance figures are hard to argue with: 717 horsepower, a claimed top speed of up to 190 mph, and an estimated 25 miles of electric-only driving range when fully charged.
Despite the hybrid transition, the M5 remains firmly committed to its high-performance mission, with features such as adaptive dampers, available carbon-ceramic brakes, and a wide variety of drive modes that let drivers fine-tune the car’s character from relaxed to raucous with the press of a button.
For 2025, the M5 slots into the premium sports sedan segment at number five, behind the Cadillac CT5-V Blackwing, Porsche Panamera Turbo/Turbo S, Audi RS7, and Porsche Panamera, but ahead of the Mercedes-AMG GT 4-Door. The M5’s base price is $123,275, positioning it competitively among its peers. It comes in a single trim level, but there are several significant add-on options available.
These include $8500 carbon-ceramic brakes, a $900 M Drive Professional package that adds more drive modes, and a $2500 M Driver’s Package that raises the electronically limited top speed from 155 mph to 190 mph. The $1850 Executive Package brings added comfort and convenience features such as ventilated front seats, heated rear seats, rear-seat sunshades, and a park-assist system.
Under the hood, the 2025 M5 features a new plug-in hybrid powertrain consisting of a twin-turbocharged 4.4-liter V-8 engine paired with an electric motor and mated to an eight-speed automatic transmission.
This setup generates a combined 717 horsepower, marking an increase of around 100 hp over the previous generation’s V-8. All-wheel drive remains standard, and BMW offers a range of drive settings that alter how the hybrid system deploys its power.
One mode even enables a rear-drive-biased drift setup. Standard hardware includes adaptive dampers, rear-wheel steering, and oversized brakes. In testing, the M5 demonstrated immense power and strong handling capabilities in sportier drive settings while also maintaining a smooth, quiet ride in Comfort mode.
The sheer number of available adjustments may feel overwhelming at first, but once familiarized, the driver can fine-tune the car’s setup to suit personal preferences. However, some drawbacks remain—specifically, the steering feel is lacking, and the M5’s considerable size and weight make it less engaging than lighter, more nimble rivals like the Cadillac CT5-V Blackwing.
At the test track, the new M5 reached 60 mph in 3.0 seconds, which, while still extremely quick, is slightly slower than the previous M5 that managed the same sprint in just 2.8 seconds.
The car’s 14.8-kWh battery pack allows for an estimated 25 miles of electric-only driving, and it supports charging at up to 7.4 kilowatts. However, detailed charging time data has yet to be released.
Despite being a hybrid, the M5’s EPA fuel economy estimates are underwhelming: 12 mpg in the city and 17 mpg on the highway, which is noticeably lower than the outgoing M5’s 15 mpg city and 21 mpg highway ratings. Those looking for more efficiency details can refer to the EPA’s website.
Inside, the M5’s cabin takes the basic layout of the 5-series and adds performance-oriented flourishes. It features an M-specific flat-bottom steering wheel with programmable M buttons, a red center mark, and oversized shift paddles.
The seats are designed to offer better support during spirited driving, and the M5 includes exclusive lighting elements and unique screen animations. Buyers can choose from a range of interior materials, including leather, wood, and aluminum.
The layout remains a five-seater with a central iDrive controller and large display screens. Standard features include a panoramic sunroof and a Bowers & Wilkins premium audio system, though those seeking weight savings can opt for a carbon-fiber roof, which removes the sunroof altogether.
Classic Mini
Current values from £1500
Mini by name and Mini by nature, these compact cars especially when compared to the modern BMW Minis have been beloved since the 1960s.
Renowned worldwide for their personality and charm, the classic Mini is instantly recognisable to both car enthusiasts and casual observers alike.
Naturally, with any model that was produced for over 40 years, there are plenty still out there. However, these Minis are old, British, and quite delicate, meaning their numbers are steadily decreasing while their values continue to rise.
Buying a Cooper from any generation is a solid choice. That said, we strongly recommend doing your homework beforehand. There are numerous versions with widely varying prices, and a number of typical ‘classic car niggles’ you’ll want to be aware of before making a purchase.
Primed with anticipation, I reached down for the key and found a sliver of it still there. Apparently, just before I arrived, someone in MINI PR had gone to start the car and snapped off the end of the key.
Quality issues aside, I wanted to drive. So I grabbed my own MINI fob, took the hidden key out, placed it on the last 1/8” of the key still sticking out, twisted, and it sprang to life. And we’re off.
The classic Mini is nothing short of joy on wheels. For anyone who has never driven a classic Mini, you’re probably assuming (like I did for years) that it’s a fun little car like today’s MINIs but smaller.
The classic Mini is nothing short of joy on wheels and feels like a large go-kart in a way that no modern car ever will. The immediate smile and LOL I had as I turned out of the parking lot was involuntary and quickly followed by many more. And I hadn’t even made it to a proper road yet.
There’s a lovely bounce to the suspension that somehow makes it more compliant and comfortable than even the reinvented R50 which came after it. Yet you only sense a hint of body roll when pushing into corners.
And immediacy—yeah, that’s something that is completely redefined by driving a classic Mini. The turn-in and the car’s ability to react to the driver are unequalled in anything save for track cars I’ve driven.
Enjoy your classic Mini because there will never be another one. It’s also terrible at being a modern car. Yes, there’s room (a surprising amount of it), but it’s in exchange for modern safety devices and crumple zones.
There’s a reason that MINI can’t design and build a car this small with the same interior volume in 2019. In our modern automotive world, that space is now occupied by hundreds of things relating to safety, technology, and other regulatory items. So enjoy your classic Mini because there will never be another one.
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Cars That Are Long-Term Losses
Luxury cars are consistently among the hardest hit by depreciation, with research showing they lose an average of 48.1 percent of their value within five years.
In comparison, non-luxury vehicles experience an average depreciation of 36.8 percent over the same period. The biggest depreciation culprits tend to be European luxury sedans and luxury SUVs.
That being said, this doesn’t imply that luxury cars aren’t worth considering they’re dream vehicles for many people.
While it’s true that some can come with higher maintenance costs than standard vehicles, if the car proves to be reliable, there’s no real reason to avoid them in the used car market.
If you’re someone who tends to switch cars every few years, it might make more sense to look beyond the luxury segment.
However, if you intend to hold onto your vehicle long-term, there’s absolutely no reason not to go for the luxury brand that resonates most with you.
Audi A7: 57.2%
The Audi A7 has a five-year depreciation rate of 57.2%, with original MSRP prices ranging from $71,200 to $91,900. As of 2019, the average used price for the model was $40,046.
Despite the high depreciation, the A7 remains a compelling choice in the luxury sedan market.
The 2024 Audi A7 continues to impress with a 3.0-liter V6 engine delivering 335 horsepower and 369 lb-ft of torque, while the sportier S7 variant is powered by a 2.9-liter V6 that produces 444 horsepower and 443 lb-ft of torque.
It also offers a respectable fuel economy of 25 mpg combined.
The Audi A7 encapsulates everything one might look for in a premium sedan elegant design, an engaging driving experience, and advanced technology.
The interior is modern and feature-rich, highlighted by a prominent 10.7-inch infotainment screen on the center stack, paired with a smaller touchscreen dedicated to climate control.
Ambient lighting enhances the interior ambiance, making night drives particularly enjoyable. Combining luxury, performance, and practicality, the A7 remains a standout in its segment despite its significant depreciation rate.
Audi A6: 56.3%
The Audi A6 experiences a five-year depreciation rate of 56.3%, with original MSRP figures ranging from $57,300 to $82,900. In 2019, the average used price of the A6 stood at $26,738.
The 2024 Audi A6 offers a range of trim options and engine configurations, including a 2.0-liter 4-cylinder that produces 261 horsepower and 273 lb-ft of torque, and a 3.0-liter V6 engine delivering 335 horsepower and 369 lb-ft of torque.
Fuel economy is solid for its class, with ratings between 25 and 26 mpg combined.
While the A6’s exterior design may not be the most striking on this list, it more than makes up for it with its generous list of standard features.
The real standout is the interior, where Audi’s design team has delivered what can only be described as automotive art.
The cabin feels premium and luxurious, with no cheap materials in sight, and offers both elegance and comfort in equal measure.
One of its standout features is the remote park assist, allowing drivers to maneuver the car into or out of tight spaces while standing outside the vehicle a genuinely useful tool in crowded parking environments.
Volvo S90: 55.8%
The Volvo S90 sees a five-year depreciation rate of 55.8%, with an original MSRP between $57,700 and $71,200. As of 2019, the average used price was $26,710.
The 2024 model features a unique 4-cylinder engine that is both turbocharged and supercharged, producing between 295 and 455 horsepower depending on the variant.
It comes paired with an 8-speed automatic transmission and delivers a combined fuel economy rating of 25 mpg.The S90 is a spacious, sophisticated, and technology-rich luxury sedan.
It stands out for its ride comfort and interior refinement rather than its performance or agility it’s not meant to compete with high-performance sedans like the Maserati Quattroporte or BMW 7 Series.
Furthermore, its size places it in a gray area between full-size and mid-size sedans. What truly distinguishes the S90 is its interior, which draws inspiration from Scandinavian design principles.
The cabin offers a unique atmosphere that sets it apart from the more uniform interiors found in many luxury sedans. Rather than following trends, the S90 confidently carves out its own identity in the competitive luxury segment.
Mercedes-Benz S-Class: 55.7%
The Mercedes-Benz S-Class carries a five-year depreciation rate of 55.7%, with original MSRP prices ranging from $92,245 to $128,150.
The average used price for the 2019 model year sits at $39,500. The 2024 S-Class offers two powerful engine options: a 3.0-liter 6-cylinder delivering 442 horsepower and 413 lb-ft of torque, and an optional 4.0-liter V8 generating 496 horsepower and 516 lb-ft of torque.
Fuel economy is rated between 21 and 24 mpg combined.The S-Class has long been the preferred choice of the wealthy and influential.
As the flagship sedan of the Mercedes-Benz lineup, it consistently sets the benchmark in the luxury segment.
Spanning several generations, the S-Class has earned its reputation as the most successful and best-selling premium sedan in the brand’s history.
While the Maybach sits at the top of the S-Class range, the standard S-Class itself is a complete experience.
It offers a smooth, refined ride and plenty of power, making it an ideal choice for those who expect performance without sacrificing comfort.
Tesla Model S: 55.5%
The Tesla Model S has a five-year depreciation rate of 55.5%, with original MSRPs ranging from $94,700 to $134,200. The average used price is currently around $44,065.
The 2024 Model S features a 100 kWh battery and delivers astonishing performance, with a 0 to 60 mph time ranging from 2 to 3.1 seconds depending on the trim.
The electric range also impresses, offering between 396 and 405 miles depending on configuration.
Since its debut in 2012, the Model S has seen only incremental updates, yet it continues to lead the EV segment thanks to its impressive range, rapid acceleration, and fast-charging capabilities.
Owners often describe the driving experience as similar to flying a spaceship, with unmatched smoothness and high-tech appeal that make traditional cars feel outdated in comparison.
However, Tesla still faces a key challenge: the limited availability of charging stations outside urban centers, which can hinder its convenience for long-distance travel in rural areas.
