Cycle to work scheme

Just don't sign the 25% final purchase fee.

You can continue the lease for a 7% fee, which you pay at the end of the 12 months. You then use the bike for another 3 years and then the bike is yours. During those 3 years you don't pay anything like you did for the first year.

Make sense?

thing that bothers me slightly is that you don't actually own it until the end of 4 years so if you want to sell it you can't.