“I had to start by buying whatever van I could choose. And it was the same for me in and out of the garage all the time, getting it fixed, the steering wasn't working, the brakes weren't working, there was an engine light on there was always something going wrong. It was so frustrating.”

So then he decided to buy a new van, but that wasn’t that easy either: “I wasn’t in a position to actually buy outright, but I was in a position to borrow the money do an HP agreement. I had enough slack in my income that I could commit to paying a certain amount a month.

“And I think that for me was an interesting concept, because instead of buying the van up front what I could afford, I'm now buying something which I can't actually afford to buy outright. But I know it's going be good for three years without renewing the MOT.”

Luckily for Henry, it worked out in the long run.

“I reckon it was actually cheaper …I did it over five years. And at the end of the five years, it was a satisfying feeling to think of paid and I've got this van now and I've paid for it. So, I would say that that would be as soon as you're in a position to and you've got enough work ahead of you.”

He adds: “I reckon that that if you're a tradesperson, and you've got a decent credit rating, of course, yeah, we got to look after that. It's worth going to a dealer and saying what the best deals are for you.

“You want no interest, and if it’s a lease you don't have to actually buy it, you can just rent it. But the downside with that, and there's lots of downsides. The downside is you've got to keep it in pristine condition, and only do the mileage that you say you're going to do because after the three-year term, they want to claw back as much money off you as possible.

On this, he warns: “Say you've done 10,000 miles too many. And if you've agreed a high ‘over mileage rate’ …it might be another one pound a mile or something ridiculous, then they want that money off you.”

Overall, he says: “there's lots of things that you need to look into, but it’s worth it.”

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