Hi Mike,

Your financial structure and choice of cars seems sound, and all we’d add at this stage are two things: for your annual mileage, you need a diesel car, while conversely your wife will be fine with a petrol; and we’d pick the Ateca over the Kadjar, and the A3 ahead of the CLA, too, if that helps. Make it an A3 Saloon if you really like the idea of a four-door car.