2.5SE losing oil & water

[Roger-M]

Hello all,

 My 2006 2.5SE is not used that much, but it seems to lose oil and water more quickly than I think it should.  The underside of the oil filler cap is completely clean, the MOT exhaust emissions are well below the limits, and I can't say that I've noticed any smoke from the exhaust.  Yet, on this car, I would have thought that I would only rarely need to top these things up!

Any suggestions anybody?

Thanks in anticipation.

Roger-M