[Thawke]

I leased my last car from BMW (2015 M135i) with a settlement figure at the end of the agreement, but only lasted 18 months into that before I shifted to the X6.

(Long story, but essentially, I like a bit of luxury in my interiors and the 1 series interior was a bit on the cheap side - interior wise, so that 320BHP 3 Litre engine in a small hatch wasn't enough to keep me satisfied)

Anyway, the Settlement figure BMW Finance gave me for the M135i was less than it was worth part exchanging when i did this so I actually ended up with credit (money in my pocket) that went towards the X6 lease.

I say its a win/win myself, just swap cars after 2-3 years and you should be even-stevens.

Or.... if you go the full term and need to pay off the GFV to "own" the car, it's as if you're paying it with a 4.9% loan or whatever percentage your lease was.