Yes, adding a 20% VAT to Motability Advance Payments will likely make the scheme unaffordable for many vulnerable disabled people, as it will significantly increase upfront costs for vehicles. This change, effective from July 2026, is expected to add around £3,000 to the cost of the cheapest three-year leases, making them financially out of reach for those with lower incomes, such as the median household income of £18,500 for scheme users.