If someone offered me £10k for my 4200 to drive a £32,500 early Vantage V8 at £6 per month, I would be tempted because that car will not be less than £22,500 in 2 year's time. I cannot see that happening but if an AM dealer wants to call me I am listening.
I have never bought on finance, and I do not subscribe to the only ever lease a depreciating asset view,
You do realise that the whole deposit is lost after the 2 years? So you would lose your £10k 4200 deposit. That is effectively £416.66 per month over 24 months. Also you lose any interest or investment earning potential over 2 years with that £10k. Not much granted but maybe £500-£800. Another £20-£33 per month.
In the OP's case that £20k deposit is lost after 2 years so becomes £833.33 per month plus the £12.06 so effective payments are £845.39 per month. Then maybe £1k-£1.6k in lost interest so another £41-£66 per month. You are nearly at £900 per month at this point. Of course this doesn't allow for any cash coming back at the end which is a complete unknown at this stage.
I don't subscribe to the only ever lease a depreciating asset view either. It may be a cheaper way to finance a vehicle than more conventional means. However the bottom line is that is still a whole chunk of cash to be dumping on a car. Admittedly these cars are lovely cars no question and I would of course have one in a heartbeat. I just can't afford one!
I can of course see how these arrangements work for some but it is very much man maths at its very finest. It is very much like buying a house you can't afford in the conventional manner on an interest only mortgage which only really make sense if the property price increases. If it does then great it is fantastic. If it doesn't or falls it loses its shine somewhat!
I am an old school person who of courses takes risk as we do in business every day. However I don't like tying myself in to anything (short of mortgage!) so can get in/out whenever I choose at no penalty. I also like knowing where I am financially at any point and not spending more than I need to or can afford to. This is just me by the way and I'm not passing judgement on others.
Every body is different and does things different which is great. I'm just not brave or well healed enough to commit to shelling out nearly £1k per month on a car. Maybe next years Rodders!