The X260 makes a superb family saloon - the estate (Sportbrake) adds useful load space, the Ingenium diesel returns strong economy, and replacement costs are well within the car's value. Avoid the X250 if carrying kids means carrying risk.
The X260 with the AJ200P petrol is the commuter's choice - refined, reliable, and the water pump is the only meaningful weak point. The diesel is fine if you're doing motorway miles, but the petrol has the cleaner reliability record in our data.
The X250 looks tempting at £4k-£7k, but the AJ126 V6's cooling system and chain tensioner risks mean you could be buying a £12k bill on a £5k car. If you're on a tight budget, walk away and buy an X260 with higher miles instead.
The X250's AJ126 3.0 V6 Supercharged offers genuine performance - 340PS and a supercharged soundtrack. But the cooling system needs constant monitoring, and the pre-2013 chain tensioner is a genuine risk. Buy a 2013+ car with documented cooling system work.
The X260 with the AJ200P petrol is the keeper's choice - the cleanest reliability profile in the XF range, replacement costs are sensible, and the Ingenium is a genuinely modern engine family with a long service life. Buy 2019+ for the revised components.