Has the car been reliable so far and do you still like it? If so why do feel the need to change it anyway? I can understand if you are bored of it and want to get something else but paying loads of money to swap a 3 year old Mini for a newer one seems a bit pointless. It's not like the car is going to explode when it reaches 3 years old. If it passes it's MOT without any problems, then I'm not sure what you will gain by swapping it for another Mini.
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