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Don't worry too much about the gmfv. BMW UK lost £ millions at the end of 2008 with overpricing their gmfv's. So it's no suprise that an unknown niche model such as the 1M has their risk assessers running for the hills.
If you can finance via your bank, you'll likely get a much better deal and you'll have the benefits of not having finance linked to the car (ie. a clear HPI) and also not needing the gmfv.
I buy cars every 5 mins (and loose shed loads!), but IMHO this represent one of the best investments I've seen for years.
Don't get me wrong, you ain't gonna make money, but I'll guaratee now to buy your 24,000 miles car for £18K in 3 years!
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