Thank you very much for your help. As this was my first post I am amazed at how helpful people have been in such a short time after posting my question.

Can anyone give an opinion on the second part of my question which relates to buying a new car from dealers stock, are these sold above list price as you are getting around the waiting list?

Due to my ignorance and not fully understanding the details of all the options I am struggling to determine this.

I will certainly look to attend a noggin if people are as helpful as in this community.