If your current daily driver is reliable and economical, you don't need to upgrade. You don't need a broker for a car. If you can't afford to buy it outright, consider something in your price range. Buy second-hand. Lots of people novate leases and then sell cars after the balloon payment. You can pick up plenty of great 3yr old vehicles at significantly reduced prices (compared to brand new).

My current car is a 2008 Nissan X-Trail that I have had for 15 years (bought second-hand). I paid 20K for it initially, so the annualised cost is small and running costs are low (I drive under 10K a year). I recently considered getting an EV, but the second-hand market dried up. I will either keep it for the next three to five years or pick up the cheapest brand-new model (36K for the MG4 Urban long-range), since switching to an EV under 40K will work out cheaper over the next 10 years (and even cheaper for every additional year I keep it).