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£52,290

PCP: from £931 pm

HP: from £1,168 pm

What's the difference between Hire Purchase (HP) and Personal Contract Purchase (PCP)?

BMWX5 40d 3.0 MHT M Sport SUV 5dr Diesel Hybrid Auto xDrive Euro 6 (s/

35 BMW X5 reviews

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Anchor Cars

0118 344 3112^*

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Overview

Mileage:
18,475
Year:
2022
Fuel type: N/a
Transmission: Automatic
Body type: Estate
Colour: Black
Doors: 5
Engine size: 3.0 L
CO₂ Emissions: 191 g/km

Please note: Dealers are responsible for the content of their listings and are expected to include all fees in the advertised price. You should always confirm all listing details with the dealer before purchasing.

Vehicle details

This 2022 BMW X5 3.0 40d MHT M Sport is a premium SUV that blends muscular performance with hybrid efficiency and everyday practicality. With a 3.0-litre mild hybrid diesel engine producing 340 bhp and paired to BMW’s xDrive all-wheel drive system, it offers powerful acceleration, smooth handling and excellent fuel economy for a car of this size. The M Sport styling gives it a sharp, athletic presence, and the interior is every bit as refined and tech-filled as you’d expect. Owners say it’s “luxurious, fast and surprisingly efficient, ” and our pricing makes this X5 a standout value in the premium SUV market. Available now from Anchor Cars, part of Anchor Cars Ltd – the award-winning group behind Anchor Cars Tadley, Anchor EV and Vanlux. Recently crowned Used Car Supermarket of the Year 2025 and proudly rated 5 out of 5 stars Excellent on AutoTrader, we’re committed to providing a service that’s as exceptional as the cars we sell. Call us today on 01183443112 to arrange a viewing or get more details. We also offer nationwide delivery, care packs and a clear customer guarantee so you can buy with complete confidence.

Vehicle features

20GB Hard Disc Drive HDD Memory
20in Alloy Wheels - M Star-Spoke Style 740 M Bicolour with Run Flat Tyres
Active Air Stream Kidney Grille - High-Gloss Chrome
Active Guard Plus
Adaptive Air Flap Control Bar - High-Gloss Black
Air Conditioning - Automatic with 2.5 Zone Control
Airbags - Driver - Front Passenger- Rear and Side
Alarm System - Thatcham 1 with Remote Control and Engine Immobiliser
Ambient Interior Lighting
Armrest - Front and Rear Integrated into Door Trim
Attentiveness Assistant
Automatically Dimming Rear View Mirror
BMW Connected Package Professional
BMW ConnectedDrive Online Services
BMW Individual High-Gloss Shadowline
BMW Legal Emergency Call
BMW Live Cockpit Professional
BMW TeleServices
Brake Force Display
Brake System
Brake-Pad Wear Indicator
Carbon Black
Centre Armrest - Rear - Foldable with 2 Cupholders and Storage Compartment
Centre Console Includes Storage Compartment
Centre Lock Switch - Driver and Front Passenger Door
Child Seat ISOFIX Attachment - Outer Rear Seats - includes Top Tether
Closing System with Central Locking
Compartment in Front of Cupholder
Crash Sensor - Activating Central Locking Release - Hazard Warning Lights - Fuel Cut Off - Interior Lighting and Activation of the Safety Battery Clamp
Cruise Control
Cup Holders - Front x2 and Rear x2
DAB - Digital Radio
DSC - Dynamic Stability Control - Stabilises the Vehicle in Extreme Situations - Controls Traction
Daytime Running Lights - LED
Deformation Zones - Front and Rear
Digital Aftermarket - Active Cruise Control
Door Pockets - Front and Rear
Door Sill Inlays - BMW M Designation Illuminated
Double-Wishbone Front Axle
Drive Performance Control with ECO PRO - Comfort and Sport
Dynamic Brake Lights with LED Technology
EPS - Electric Power Steering with Servotronic
Electric Memory Seats
Electric Windows - Front and Rear with Open-Close Fingertip Control - Anti-Trap Facility and Comfort Closing Function
Electrical Steering Column with Adjustable Height and Length
Electro-Mechanical Parking Brake with Automatic Drive-Away Release and Auto-Hold Function
Enhanced Bluetooth with Wireless Charging
Exhaust Tailpipes - Single - Left and Right - Chrome
Expanded Exterior Mirror Package
Exterior Mirror Housing - Body Colour
Exterior Mirrors - Electrically Adjustable - Automatic Parking Function - Heated and Drivers Anti-Dazzle
Exterior Trim - High Gloss Shadowline
Favourite Buttons
First Aid Kit and Warning Triangle
Floor Mats - Velour
Follow Me Home Headlight Function
Footwell Lights - Front
Front Grille Bars - Pearlescent Chrome
Front and Rear Air Suspension
Head Airbags - For First and Second Row Seats
Head Restraints - Front Anti-Whiplash
Headlights - Adaptive LED
Headlining - Anthracite
Heated Windscreen Washer Jets
HiFi Loudspeaker System
High-Beam Assistant
Instrument Panel - Sensatec
Interior Light - Rear Centre
Interior Trim - Aluminium Tetragon
Knee Airbag
LED Rear Lights
Light Inside Glove Compartment
Lockable Glove Compartment
Locking Wheel Bolts
Luggage Compartment - Light
Luggage Compartment Floor Panel with Integral Storage Tray
M Aerodynamic Bodystyling
M Designation on Front Side Panels - Left and Right
M Leather Steering Wheel
M Specific Key
M Specific Pedals
M Sport Brakes with Blue Calipers
M Sport Braking System
M Sport Package
M Sport Pro Package
Make-Up Mirror Lights
Mechanical Childproof Lock - Rear Doors
Multi-Function Controls for Leather Steering Wheel
Multifunctional Hooks
Non Smokers Package
OBC - On Board Computer
Oil Sensor For Level and Grade
Outer and Central Air Intakes on Front Bumper - High-Gloss Black with Pearlescent Chrome Finish
PDC - Park Distance Control - Front and Rear
Parking Assistant
Passenger Seat Airbag Deactivation - Front
Passive Protection for Pedestrians
Power Sockets 12v - 2x Centre Console - 1x Luggage Compartment
Rain Sensor with Automatic Headlight Activation and Windscreen Wiper Control
Reading Lights - Front
Roof Rails - High-Gloss Shadowline
Safety Battery - Terminal Clamp
Seat Back with Flap Pocket
Seat Belts Front and Rear - Seat Belt Tensioner - Front and Outer Rear Seats - Belt Force Limit
Seat Heating - Front
Seat Occupancy Detection for Driver and Passenger Side
Sensafin Leather - Black
Sensatec Dashboard
Side Elements - High Gloss Black
Side Impact Protection
Side Window Graphics - Satin Aluminium
Speed Limit Display
Speed Limiting Function
Split Folding Rear Seats 40-20-40 Configuration
Sport Seats - Front
Start-Stop Toggle - Diamond-Shaped Trim Finisher in Pearl Chrome
Steering Wheel - Paddle Shift
Storage Tray and Compartment with Lid in Centre Console
Sun Protection Glass
Sun Visors with Illuminated Vanity Mirrors
Tailgate Automatic - Two Part Top-Hinged Section Which Can Be Opened Separately and Manual Bottom-Hinged Section
Technology Package
Third Brake Light - Spoiler
Toolkit Located in Luggage Compartment
Two Tone Horn
Tyre Pressure Sensors
USB Connection - USB Type A 1.5A in Cupholder - USB Type C 3A in Centre Armrest
Welcome Light Carpet
WiFi Hotspot
X5 on Tailgate - Left
iDrive Controller with Shortcut Buttons
xDrive Designation on Tailgate - Right

Remember to check the details of this car with the dealer before you buy it to make sure that all the information is accurate.

Credit ratings explained

Excellent

You are a home owner
You have been on the electoral roll for a long period of time
You have current credit arrangements and mortgage with no defaults
You have no CCJs, credit arrears or missed payments
You rarely apply for credit
You are employed or self-employed

Good

You are on the electoral roll
You are a home owner or long standing-tenant
You have a stable employment history
You have current credit arrangements with occasional missed payments
You have no CCJs

Fair

You are or have recently been on the electoral roll
You may have recently changed address
You may have occasional missed payments
You may have an old CCJ
You may have regularly applied for credit

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Make your Car Finance product selection below

What's the difference between Hire Purchase (HP) and Personal Contract Purchase (PCP)?

Hire Purchase (HP)

HP is a finance plan that allows you to spread the cost of the car by making monthly payments over an agreed term.

You make higher monthly payments than a Personal Contract Purchase (PCP) agreement, so that when you come to the end of the agreement you'll own the car.

Unlike PCP, there are no limits on mileage.

HP could be right for you if want to own the car at the end of the agreement, without the need to make a larger final payment.

Personal Contract Purchase (PCP)

PCP is a finance plan where you make equal monthly payments over an agreed term, with a larger final repayment due at the end if you decide to keep the car.

At the end of the agreement, you have three options. You can hand the car back to the finance company (the must be in good condition and within the agreed mileage, otherwise charges may apply), part exchange it for another car on a new agreement (subject to status), or pay the final repayment to own the car.

PCP could be right for you if you're thinking of changing your car in the next few years, or if you're unsure whether you want to buy the car at the end of the agreement.

What is Hire Purchase (HP)?

Hire Purchase (HP)

HP is a finance plan that allows you to spread the cost of the car by making monthly payments over an agreed term.

You make higher monthly payments than a Personal Contract Purchase (PCP) agreement, so that when you come to the end of the agreement you'll own the car.

Unlike PCP, there are no limits on mileage.

HP could be right for you if want to own the car at the end of the agreement, without the need to make a larger final payment.

For this vehicle you have selected only HP is available.

All this will be explained in more detail when you speak with one of our friendly agents, once you have completed your application.

Hire Purchase

PCP

Amount to borrow
Monthly payments
Illustrative APR
Total amount payable

Amount to borrow
First payment
Monthly payments
Final payment
Illustrative APR
Total amount payable

Representative example:

Borrowing £10,000 at a representative APR of 12.9%, annual interest rate (fixed) 12.9%, 59 monthly payments of £223.33 followed by 1 payment of £233.33, total cost of credit is £3,409.80*, total amount payable is £13,409.80.

*The representative example includes an estimated option to purchase fee of £10. This is subject to status and although fees may vary in amount and when payable, the total cost of credit and APR received will not alter. This representative example is for illustration purposes only and does not constitute an offer. Written quotations are available on request and finance is subject to status.

Borrowing £16,000.00 at a representative APR of 12.9%, annual interest rate (fixed) 12.9%, deposit of £0, 48 monthly payments of £299.67, optional final payment £7,645.00 (inc. £10 option to purchase fee), total cost of credit is £6,029.16†, total amount of credit is £16,000.00, total amount payable is £22,029.16.

Representative Example is for AA PCP agreement for a Ford Focus Estate with a contract mileage of 10,000. Optional final payment not payable if you opt to return the vehicle at the end of the agreement (vehicle condition, excess mileage and other charges may be payable). This quotation is not a binding offer to enter into a finance agreement.

†AA PCP AA Car Finance is provided by Evolution Funding Ltd. Used Car Sites Limited, on behalf of AA Financial Services Limited, introduces you to Evolution and are each acting as credit brokers and not lenders. AA Financial Services Limited receives a commission from Evolution Funding Ltd, which can vary based on the lender and vehicle selected. By submitting an application for car finance you consent to the commission being paid and acknowledge AA Financial Services Limited is not acting impartially.

This representative example is for illustration purposes only and does not constitute an offer. Written quotations are available on request and finance is subject to status. Terms and conditions apply. A guarantee may be required. Over 18's only. This service is provided by Evolution Funding Limited who are authorised and regulated by the Financial Conduct Authority for credit brokerage, FCA number is 823324. Evolution Funding Limited are a credit broker, not a lender. Other offers may be available but cannot be used in conjunction with this offer. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. We are only able to offer finance products from these providers and they may provide an incentive to do so.

Need car finance demystifying?

Let us break it down for you. Finance can be confusing, but we've made it simple.

Understanding finance

Vehicle history check

For YH72 AVV

Not recorded as stolen
No third-party trace
2 previous keepers show

There are PREVIOUS KEEPER CHANGES recorded against this vehicle. Please note that the keeper is not necessarily the owner, it may be a company vehicle or belong to a third party.

Number Of Previous Keepers 2

Date Of Last Keeper Change 06/06/2025

No colour changes

Mileage data available †

Not an insurance write-off

Data for this history check supplied: 26/09/2025 at 08:02

What's not included?

Outstanding finance details
Estimated cost of vehicle ownership
MOT history & common failures*
Full vehicle specification
Mileage discrepancies*
Market valuation*
Vehicle Tax Check

*Provided where available

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Category write-offs

A vehicle that has been in an accident will be assessed by insurance companies and assigned a category: A, B, S or N. However, we only list Cat S or N cars as Cat A and B cars are not roadworthy and safe.

Category S (formerly Category C)

The 'S' in Cat S stands for structural damage. This means the vehicle has damage to its structure/chassis, which is more than just cosmetic damage. But the vehicle can be professionally repaired, making it safe and roadworthy.

Category N (formerly Category D)

Similarly, the 'N' in Cat N stands for non-structural damage. Here, the vehicle has sustained damage, but it has not affected the structure/chassis. A Cat N car is safe to drive as the damage could be minimal/cosmetic.

Buying a written-off vehicle:

Do a full vehicle history check to identify category vehicles.
Make sure to check with the dealer if a Cat S/N vehicle has been professionally repaired.
Book a vehicle inspection and our experts will look over a Category vehicle for you.

Vehicle Registration Mark (VRM)	Date
YH72 AVV	13/04/2025
61JAN	17/11/2024

Source	Date	Mileage
MOT	08/11/2024	13,459