As others say it's difficult to see how you're going to make any real savings by changing. Suppose if Golf's worth enough to clear finance then you might reduce your monthly outgoings but likely you'd be paying more in long term
If the Golf is getting you where you want to be without incurring clean air zone charges then I'd hang on to it.
Ran my last three cars to 150k miles. Sold two to scrappies and traded third with known fault but as it was going to auction made little difference to deal.
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