I think I've decided to give this car a miss. As much as I'm desperate to get a car now that I'm ready to buy, I feel i'd be rushing into a deal I'm not completely happy with and buying a a car that's not 100% what I want.
I've decided to cash in some shares that I've been sitting on for a rainy day so should end up with a 3k deposit and I'll borrow 15k from the bank. I think I can get the perfect motor for 18k.
That way the car will be mine at the end and I should be in positive equity from the start.
Thanks for your help guys, the search is well and truly on