I have a July 2010 Jaguar XF 3.0D S Portfolio. I was planning to change in March and this morning found the rear tyres need to be changed (10k miles done, and £300 each) and the 'brake pad' warning message came up ... what a day!

That's about £1000 of work and given my plan to change the car, my question is whether it is better to pay for these fixes and part exchange the car when I buy my next one, or sell it to the dealer who has offered enough to settle the finance PCP (a couple of hundred pounds back) and then I'll rent something in the meantime.

The dealer says part exchange would give me about £4000 equity but would it be reasonable to expect that in discounts instead if I had no part exchange, so it comes down to the convenience factor?