What used BMW X5 4x4 will I get for my budget?
You’ll need at least £15,000 before you can start considering a third-generation X5. That sum will buy you an early four-cylinder 25d or six-cylinder 30d with more than 100,000 miles on the clock.
Adding another £5000 to your budget will give you access to a 70,000-mile example of the above engines in SE trim. M Sport models are more plentiful but also more expensive, to the tune of about £2000 for an example with similar mileage.
The cheapest X5 to run for most people will be the sDrive25d, which returned more than 50mpg in official tests. In the real world, owners tend to achieve 35-37mpg, which is a couple more than you’ll get from the same engine with xDrive four-wheel drive. The six-cylinder diesels will do 30-32mpg, while you’ll struggle to break 30mpg in the tri-turbo x50d. Only those with the deepest of pockets should consider a 50i or X5 M.
As far as road tax goes, the sDrive25d costs £135 per year and the xDrive25d £150, while the plug-in hybrid’s 88g/km means you won’t pay a penny, provided the car was registered before the tax changes of 1 April 2017 came into force. Even six-cylinder diesels are reasonably affordable, at £190 per year. All cars registered after April 2017 will all pay a standard flat rate of £155, plus an additional luxury car tax of £335 if they cost more than £40,000 new.
The other point worth bearing in mind is that BMW offered the X5 from new with a servicing package, so if the car you’re looking at still has some of this left to run, you'll be quids in. Other than that, you'll need to bear in mind that this is a big, heavy car, so items such as brakes and tyres will cost a pretty penny when they need to be replaced. Front brake pads alone are £350, for example, while if you need discs as well, you’re looking at £560.
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