Cargo Bikes

Any ladies hybrid bike.

A step through frame makes life easier.

Too small and in Kent, but this Giant CRS would work well. All the mounts. Good clearance. Even has ergons.

Don't get me wrong every time I see those baby Terns I think they're ideal. And would love one. You've just got to be realistic about budget as you'll also need insurance, better locks and to factor in paying the excess every few years when it gets stolen. And being blunt my guess is the excess will be more than you'd spend on a second hand ladies hybrid + upgrades.

My very dull suggestion is to get something like I suggested and establish the proof of concept / what fits your real world use. If you decide a Tern is required the loss on resale of the hybrid will be negligible.

Edit: here is a bundle ready to go
https://www.facebook.com/marketplace/item/513436511102922/