Hi as idrobbo mentioned the XF is similar to the S-Type that went before it in that under light to moderate braking more pressure is sent to the rear brakes to stop the nose of the car dipping.
When I asked my local Jaguar dealer about the rear brake pad wear on my previous S-Type R they said it was a “Comfort feature”. Over 110,000 miles it needed rear pads every 20,000 miles and new rear discs every 40,000 whilst the first set of front pads lasted over 50,000 miles and I had the front discs changed for the first time at around 95,000 when a second set of pads were fitted.
My XFR-S that replaced it has so far done 25,000 on its first set of rear pads and when serviced last week the dealer said they were 35% worn compared to 15% warn on the fronts so maybe I had better brake harder going forwards
Cas