MG Leasing

MG leasing: make the shortlist work for your week

MG now requires more than a simple electric-versus-petrol choice. Similar names can identify different bodies, generations and battery systems. A business driver asking about an MG estate means MG5, not MGS5 EV; a hatchback enquiry must distinguish MG4 from MG4 Urban. Make those distinctions at the start so that the quotation preserves the vehicle you actually intend to assess.

For a family or staff-car brief, use passenger access and luggage to divide the range before selecting equipment. MG3 and ZS address different compact-car needs, while the larger electric SUVs and IM models change the rear-cabin and parking proposition. Cyberster belongs to a two-person roadster task of its own.

The brand is MG, although the established IVF URL uses mg-motor-uk. MG UK’s own IM presence and launch material confirm that IM5 and IM6 are marketed here as MG IM models, with UK launch evidence from July 2025. They are included on that dated basis, without assuming that every overseas IM model is part of the UK range.

MG leasing: key facts

1. MGS5 EV has a 453-litre seats-up boot in the current UK specification.
2. MGS6 EV has a 674-litre seats-up boot, 221 litres more than MGS5 EV.
3. MG4 and MG4 Urban are separate electric model choices.
4. MG UK markets IM5 and IM6 as MG IM models; UK launch evidence dates to July 2025.
5. MG’s general UK warranty headline is seven years or 80,000 miles, subject to model and policy conditions.
6. Cyberster is a two-seat electric roadster, not a family-SUV alternative.

Compare MG models and lease deals

These model routes are starting points for a specific enquiry. A live listing does not establish a current factory order, allocated car or delivery date.

Choose the MG powertrain for your driving

MG3 enquiries can separate manual petrol from automatic Hybrid+ before comparing SE or Trophy equipment. ZS needs a generation check because the route retains older electric descriptions alongside petrol and Hybrid+ choices. A familiar model name does not mean every entry uses the same body or energy system.

HS and MGS9 PHEV enquiries require the full powertrain and certified documents. A plug-in must be assessed around regular charging, whereas a non-plug-in Hybrid+ uses a different routine. For a newer model or a revised emissions certification, obtain the actual UK specification and allocation rather than assigning tax from an older HS example.

MG4 Urban is a separate front-wheel-drive electric hatchback. The listed entries include Comfort Standard Range with a 43 kWh label and Comfort/Premium Long Range with 54 kWh labels. Ordinary MG4 entries span 49 and 64 kWh-labelled versions, SE, Trophy, Premium and the XPOWER performance role. Those identifiers must be matched to year, usable battery and motor before range or charging figures are used. The wider MG4 catalogue also retains 77 kWh descriptions and 320 kW XPOWER; MG5 Long Range SE/Trophy carries a separate 61 kWh label.

MGS5 EV’s entries include 49 kWh-labelled SE and 64 kWh Long Range SE/Trophy cars. MGS6 EV has 77 kWh-labelled 180 kW and 266 kW dual-motor descriptions. Choose the necessary body and drivetrain before assuming that the largest output or battery label is the right fit for every driver.

MG business leasing

An MG fleet shortlist can give different drivers different solutions without losing consistency in the agreement comparison. A locally based employee with charging may suit MG4, while a person carrying equipment needs to examine the estate or SUV load space. Fix the working requirements before asking whether a particular grade is available.

For MG IM5 and IM6, assess the same business tasks as any other company car: passengers, parking, service access and the full operating commitment. Their inclusion in MG UK’s range does not prove an IVF allocation or any particular delivery timetable. Use the offered derivative’s taxable value and documents for the accountant’s calculation.

Keep Hybrid+, plug-in and battery-electric treatment distinct. The employee’s BiK, the employer’s costs and the company’s VAT position answer different questions. A low zero-emission percentage cannot establish that a car is the most suitable commercial choice for the job.

Flat Rate Scheme users generally cannot reclaim VAT on recurring car-hire payments. Ask your accountant which VAT regime applies before using the recovery examples above.

MG personal leasing

A private MG buyer should test the names against real vehicles, particularly if replacing an older MG. The difference between MG5 and MGS5 is an estate-versus-SUV decision, not simply a newer trim. ZS also spans different generations and energy systems, so identify the body before relying on familiarity with a previous car.

For Cyberster, check the roof operation and luggage with both occupants aboard. The Trophy Single Motor and GT Dual Motor AWD descriptions also create a separate drivetrain decision. A roadster that suits weekend trips need not replace the household car used for passengers and equipment, and the lease mileage should reflect the role intended for it.

MG company-car tax across the lease

An MG company-car calculation follows the supplied vehicle and its private availability. Use the complete four-year schedule below with the actual P11D and certified emissions, rather than treating a model badge as a tax category.

The following retained illustration uses the 10 September 2026 catalogue snapshot. It assumes a full year, 40% personal income tax and no contributions or adjustments. It is not a vehicle quotation, employer cost or like-for-like saving.

The annual benefit is the P11D value multiplied by the applicable percentage; the driver pays their income tax rate on that benefit. Sole traders need their own business-use assessment. Confirm the offered car and the tax year before relying on these historical inputs.

These are conditional tax bands, not assigned rates for every MG. Confirm the supplied car’s P11D, certified CO2, fuel type and registration date. Diesel supplements can apply where the required emissions certification is absent, subject to the annual maximum.

The electric-mile figures above are HMRC band thresholds, not promises of this car’s driving range. Newer plug-in hybrid certification can show more than 50 g/km. A temporary company-car easement may treat an eligible car as 1 g/km where the registration date, electric range and Euro-status conditions are met; it is not automatic and must not be transferred to lease-rental deductions. Check the vehicle documents and HMRC’s plug-in hybrid conditions with your accountant.

Use our company-car BiK guide alongside HMRC’s 2026/27 and 2027/28 tables and the published 2028/29 and 2029/30 changes. Tax information checked 27 September 2026 against the C1 ledger and its primary sources. Tax treatment depends on individual circumstances and may change; consult your accountant.

Road tax and costs across the term

Vehicle Excise Duty (VED). For 2026/27, the standard annual VED payment after the first year is £200 before any supplement. First-year VED depends on CO2 and registration rules; zero-emission cars currently have a £10 first-year rate. These cash rates apply to 2026/27 only; later annual VED rates are not confirmed here. Ask how the funder treats tax increases during your agreement.

Expensive Car Supplement. The Expensive Car Supplement is £440 a year in 2026/27 for five years from the second licence. The list-price threshold is more than £40,000 for petrol, diesel and hybrid cars, or more than £50,000 for qualifying zero-emission cars registered from 1 April 2025. Use the published list price before discounts, including relevant options, and check the registration date. Plug-in hybrids do not receive the electric-car threshold. GOV.UK explains VED and the supplement.

Planned eVED. The government plans Electric Vehicle Excise Duty (eVED) from April 2028, alongside VED: 3p per mile for electric cars and 1.5p per mile for plug-in hybrids. This is proposed for April 2028, subject to legislation and implementation; it is not a charge currently in force. The stated rates are planned starting rates, with CPI uprating proposed from 2029/30 and later cash rates not confirmed. An agreement spanning introduction needs the funder’s written treatment of the charge and later changes. Check the government’s consultation response and final implementation guidance before committing.

Plan fuel and charging around your MG

The listed MG IM5 versions distinguish Standard Range with a 75 kWh label from Long Range and Performance with 100 kWh labels. IM6 entries use a 100 kWh label with Long Range, Performance and Launch Edition descriptions, including AWD versions. These catalogue labels are not a licence to transfer range or charge times between the two bodies or motor combinations.

For any electric MG, obtain the matching UK battery, motor, wheel and model-year specification before using a laboratory range. Battery capacity can be quoted on different gross or usable bases. A small difference in a catalogue label may reflect a different generation or measurement basis, so resolve it rather than calculating a journey from the number alone.

Plan ordinary charging and the longest repeated trip separately. A larger electric SUV carrying a family on a motorway journey has a different load and stopping pattern from an MG4 used locally. Include tariffs, weather reserve and a backup charger in the decision. For an HS plug-in, account for the petrol-running part of longer journeys as well as the miles that can start charged.

MG warranty and servicing

MG’s UK material states a seven-year or 80,000-mile vehicle warranty, whichever comes first, subject to the relevant policy. The UK IM6 brochure also carries that headline. Obtain the exact terms for the model, registration and intended use rather than applying one document to every generation in the catalogue.

Battery capacity provisions, service requirements and component exceptions need a separate read. A long headline vehicle period does not mean identical cover for all parts. In particular, an older MG5 or ZS document should not be treated as the policy for a newer MG IM or MGS model.

Compare the likely agreement mileage with the warranty limit. A higher-mileage driver may reach the distance condition before the years expire. Optional maintenance should name the scheduled services, tyres and exclusions, and support arrangements should be clear for the location where the car will spend most of its time.

The MG checks to make before choosing equipment

MGS5 EV’s current 453-litre seats-up boot and MGS6 EV’s 674-litre figure create a 221-litre difference. That can be a useful family-loading distinction, but the bigger body still needs to fit the driveway and parking used during the week. Compare the same bags with rear passengers seated before deciding that the additional volume is necessary. MGS6’s 1,910-litre folded-seat figure is not available while retaining rear passengers and does not make it a seven-seat vehicle.

For MG IM5, try rear-seat access and the saloon-style loading arrangement rather than expecting IM6’s SUV layout. For IM6, assess whether the extra driven wheels in the chosen version meet a real requirement. A shared battery label does not settle either luggage access or the equipment supplied.

MGS9 PHEV requires its own confirmed UK seating and supply documents. Do not borrow the passenger count or charging assumptions of another MG SUV. MG5’s older estate route also needs an identified available vehicle; its retained listing should be useful without implying a continuing unrestricted factory programme.

For MG4 Urban and MG4, compare the actual cabin, rear seat and controls. Similar badges can lead a buyer to assume the same space or platform behaviour when the cars are different. Write the full model name into the enquiry and keep it unchanged when agreement options are returned.

How IVF quotes your MG lease

Tell IVF your annual mileage, regular passengers, essential equipment, charging access where relevant and preferred timing. Ask for the precise model year, derivative, options and registration status to be written into the quotation. The catalogue is a starting point; the offered vehicle and funder terms need confirmation.

Business Contract Hire is taken by the business; Personal Contract Hire is taken by the private individual. Both are subject to status and individual funder criteria. Compare the initial rental, term, mileage, maintenance and applicable fees on the same basis. An initial rental is part of the hire cost, not refundable security or ownership equity.

A manufacturer warranty starts under the supplied car’s warranty terms, normally from first registration. Its time and mileage limits may finish before your lease does. It is separate from optional servicing and tyre cover. Confirm maintenance inclusions, insurance responsibilities, tax provisions and early-termination terms before signing.

At the end of contract hire, return the vehicle; there is no contractual purchase option. Excess mileage, damage beyond the funder’s fair wear and tear standard, missing equipment or other contractual charges may still be payable. Check the return process before choosing your agreement.

Useful next steps

Start with the MG model route that matches the required body, then use the wider electric-car hub if another manufacturer might meet the same passenger task. Keep Cyberster, MG5 estate and the IM saloon/SUV enquiries distinct. Bring the exact generation, charging access and must-have equipment to the discussion so IVF can check a specific car.

Further reading: electric car leasing, Business Contract Hire, personal contract hire, company-car tax guide, CUPRA Born, Geely Starray EM-i, Skoda Elroq, request a callback, business car leasing. See VAT on business car and van leasing for the separate tax-recovery question. Further reading: HMRC rental deductions, FRC accounting changes and customer reviews on Feefo.

MG leasing questions

Discuss your MG shortlist

Tell Intelligent Vehicle Finance which MG interests you, how it will be used and when you need it. We can then discuss the exact vehicle and agreement.

Intelligent Vehicle Finance is a trading name of XLCR Vehicle Management Ltd. Authorised and regulated by the Financial Conduct Authority, FRN 315268. We are a credit broker, not a lender, and we may receive a commission from lenders for introducing you to them. All vehicle finance is subject to status and individual funder criteria.

Company No. 03923327. The Melville Building, 15 Royal William Yard, Plymouth, PL1 3RP.

Editorial responsibility: Stacey Smith, Brand Director, Intelligent Vehicle Finance.

Last updated: September 2026