Also, how long's the term and GFV (I'm assuming this is PCP)? Have you worked out the total cost, and what you could do with that outlay instead?
Lets say its 3 years...just the payments would total £19,304! At the end of it, you have no ownership of the car, although you may have some equity if the car is worth more than the GFV (usually the case) - But you can only realise that value if you're able to buy the car and re-sell, or you put it into another PCP deal)
Just to play devil's advocate....
Have you considered if you'd be better off getting a loan, with smaller payments that £464? As an example, you can get a £22k 5 year loan for £413/month. Plus the £2.6k you had in mind for deposit will get you a 2012 RS3. If you ran the car for 3 years, you'd have £9.4k left on the loan. I'd imagine the car would be worth more than that, lets say £12.5k (half-life of a VW/audi is about 4 years on average, but let's assume 3 years to halve to be conservative). Sell the car, pay off loan, with a bit left over. It would've cost you £14.4k. (2.6 + (0.413*12*3) - (12.5-9.4)) = 26% cheaper. Less if the car is worth more when you come to sell. Less still if you choose an altogether different car with less depreciation (B7 RS4 anyone?
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