New data from JBR Capital shows luxury car buyers are upgrading their vehicles at an accelerating pace as repeat use of bespoke finance is shortening trade-in cycles.
JBR Capital’s latest Luxury Car Report reveals a progressive reduction in the time between vehicle changes as customers finance more cars.
On average, buyers take 13 months to move from their first luxury vehicle to their second. By their fifth vehicle, the trade-in cycle falls to eight months, and by the ninth vehicle it drops to five months.
JBR said this reflects increasing familiarity with specialist finance and a growing willingness among customers to upgrade more frequently.
The data shows buyers cut their trade-in cycle by almost 40% between their first and fifth vehicles.
The report also indicates that luxury car ownership is no longer limited to older, ultra-wealthy buyers.
Supercars no longer limited to “ultra-wealthy” buyers
Customers earning between £50,000 and £150,000 account for 66% of JBR Capital’s client base, while the average age of a supercar owner is now 42.
Higher earners with incomes of £150,000 to £250,000 represent 17% of customers, while 7% earn between £250,000 and £350,000.
Nearly 10% have incomes above £350,000, indicating that while ultra-high-net-worth individuals remain active, the core market is driven by affluent professionals.
Darren Selig, founder and head of JBR Capital, said: “For many enthusiasts, the main driver is the thrill of the chase, the excitement of researching, sourcing and taking delivery of the next car.
“The data shows that as customers move through multiple vehicles, the time between changes steadily narrows, reflecting growing familiarity with specialist automotive finance.
“It also highlights how the market has broadened beyond traditional hobbyists, with finance increasingly used by hard-working professionals as a practical way to access premium cars while maintaining wider financial priorities.”
The most financed luxury models through JBR Capital in 2025 included the Porsche 911, Range Rover Sport, Lamborghini Urus, Audi R8 and Land Rover Defender.
Meanwhile, other recent data from Approved Motor Finance, showed that nearly a third of the UK’s supercars are now registered off the road, as owners increasingly choose to store vehicles rather than drive them.
Brand-level data shows that Lotus and Ferrari owners are the most likely to keep cars off the road, with SORN rates peaking above 60% to 70% during 2023 and 2024.