I always bought pre-reg cars as they were significantly cheaper. Because I kept them for at least 5 years, having two registered owners when selling on made very little – if any- difference to the price I sold it for. However, if I attempted to sell it within three years, having that extra owner would lose me a significant amount.
In addition, it also affects any new replacement in case of an accident within the first 6 months to a year, and VAT payments. So, from Motability’s point of view it’s not financially viable.