Thanks
Thanks all for providing some very useful insight.
I'll contact Santander Finance about the options available to me, although the paperwork clearly says there is one last (optional) payment of £16.5k.
As for Polestar - it looks like it is not available for my model (D4 FWD), which is a shame given the discount at the moment.
I will certainly go see the XC40 model which should arrive at the dealer in mid December, but I suspect I'll not place an order.
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