How to Budget for Repairs Before You Buy (Step-by-Step Guide)

Why Budgeting for Repairs Matters

Most buyers focus on the sticker price - but the real cost of owning a used car includes what you’ll spend after you drive it home.

Budgeting for repairs isn’t about expecting disaster - it’s about being realistic and protecting your wallet. Even cars that look perfect can have wear and tear hiding beneath the surface.

A car history check from TopCarCheck.co.uk helps you find out:

• If the car has ever been written off

• Whether it’s overdue for an MOT or service

• If mileage readings don’t add up

• How well it’s been maintained

Knowing this before you buy can save you hundreds - even thousands - in the long run.

Step 1 - Start with the Car’s Background

Before you think about repair budgets, start with the car’s past.

Run a car history check to uncover any hidden issues. These reports include:

• Accident and damage records

• Outstanding finance or logbook loans

• MOT history and advisories

• Mileage verification

• Number of previous owners

Every one of these details affects your potential repair costs. A car that’s been in an accident or poorly maintained might need costly fixes down the road.

Visit TopCarCheck.co.uk to run your check - all you need is the reg number.

Step 2 - Research the Model’s Reliability

Some cars are built to last - others are known for their weak spots. Before you buy, research the model’s reliability and average repair costs.

You can check owner reviews, online forums, and car reliability surveys from trusted sources like What Car? or Auto Express.

Here’s a quick snapshot of how popular used cars compare:

If a model is known for expensive repairs - budget accordingly.

Step 3 - Consider the Car’s Age and Mileage

Age and mileage are two of the biggest factors in how much you’ll spend on repairs.

• Cars under 3 years old - often still under warranty - lower repair costs

• Cars between 3 and 7 years old - expect moderate wear like brakes and tyres

• Cars over 8 years or 100,000 miles - budget for bigger repairs like clutch, gearbox, or timing belt

You can view MOT and mileage data with a full car check to see if the vehicle’s condition matches what the seller claims.

Step 4 - Check the MOT History for Hidden Clues

An MOT history tells you far more than whether a car passed or failed. It shows patterns that reveal how well a car has been looked after.

A car history check from TopCarCheck.co.uk shows:

• MOT fails and advisories

• Recurring issues (like tyres, suspension, or brakes)

• Mileage at each MOT test

If the same issue appears multiple years in a row - like “corroded brake pipes” or “worn suspension bushes” - that’s a red flag.

Example - “Advisory: worn brake discs” could become “Fail: brake discs below limit” within a year. That’s a £250-£400 job you can plan for in advance.

Step 5 - Ask for Service and Maintenance Records

A car with a complete service history is worth more - and usually costs less to repair long term.

Ask to see receipts or service stamps that show:

• Regular oil changes

• Timing belt replacements

• Brake fluid changes

• New tyres or suspension parts

If there’s a gap in the service history, it could mean skipped maintenance or hidden problems.

No service book? Use a vehicle history check to verify what’s missing and avoid taking a gamble.

Step 6 - Build Your Repair Fund

Once you know the car’s background and reliability, it’s time to set a repair budget.

A smart rule - set aside 10% of the car’s purchase price per year for maintenance and repairs.

Example - if you’re buying a £7,000 car, budget £700 each year for upkeep.

Break it down like this:

If the car is older or higher mileage, increase your budget to around 15%. It’s better to have spare cash than to scramble when something breaks.

Step 7 - Use a Car History Check to Avoid Money Pits

Even the best research can’t protect you from everything - but a vehicle history check comes close.

With TopCarCheck.co.uk, you’ll uncover details like:

• Outstanding finance

• Insurance write-offs

• Mileage discrepancies

• MOT and tax status

• Whether it’s been used as a taxi or fleet car

This gives you leverage when negotiating - or helps you walk away from a risky car before it drains your savings.

Don’t skip this step - it’s your first line of defence against future repair costs.

Step 8 - Compare Common Repair Costs Before Buying

Get familiar with what typical repairs cost for your chosen make and model.

Websites like WhoCanFixMyCar and RepairPal offer average prices for:

• Brake pad replacement

• Clutch repair

• Battery replacement

• Timing belt change

Luxury cars may look tempting but cost double or triple to fix compared to standard brands.

Step 9 - Budget for Ownership Costs Too

Your total car budget shouldn’t stop at repairs. Factor in:

• Insurance premiums

• Car tax (especially with upcoming EV changes)

• Fuel or charging costs

• Breakdown cover

These can add hundreds per year - and having a clear plan keeps ownership stress-free.

You can confirm tax details using a DVLA vehicle check before making your purchase.

Final Thoughts - Smart Buyers Plan Ahead

Buying a used car is exciting - but smart buyers know that planning for repairs is just as important as finding the right deal.

By researching reliability, checking MOT and service records, and setting a realistic repair budget, you’ll avoid surprises and keep your finances stable.

A car history check from TopCarCheck.co.uk helps you see exactly what you’re buying - so you can spend confidently and drive worry-free.

Don’t let hidden problems or skipped maintenance ruin your new ride - check your car’s history today and buy with complete peace of mind.