The only way buying your own car will work is if Motability go back to HP that was how it used to be once lease came to an end you could buy using your allowance on Hp your happy Motability still make interest and profit. Then chances are when your car is 6 years old after buying you go back for a new lease everyone wins. Unfortunately there would never have been a better time with the stock shortage so I am guessing if they don’t go back now they never will
I am the carer / driver for my wife who cannot drive due to disability