Not too disappointed with this to be honest. We won't go up, so a loan would be a bit of a redundant use of finances on his wages. January fees are generally inflated if we were going to buy him, and he's turning 32 in August so there is little to no realistic resale value.

If we can pick him up for peanuts in the summer, nice, but I don't think this is one to be particularly bothered by missing out on.