I bought a
Ribble Sportive (Ali 7005 with SRAM groupset) for £904 (inc. del.), after Ribble's £65 admin fee and the 7%-and-keep-using-for-three-years, I pay a total of ~£740 (82%). If I go with the other FMV of 25%-and-be-done I'd pay a total of a couple of quid more than the original £904.
I think after the year is up I can still go for another bike, but probably won't.
I started looking last August, but cock-up after cock-up (mostly lack of communication within my company) delayed me getting the bike until last week. Today was my first commute on it and I've knocked a quarter off the usual times, I am a happy bunny surprising myself with an average of 20 mph - wondering what it'll be on the way home as I'll have a back-wind but it's slightly uphill!
Both the Cyclescheme staff (mostly Paul

) and Ribble have been great. I know Ribble get knocked for their customer service but I had an issue with the front innertube (suspected nipped tube when fitted) and got two (upgraded to conti's) free a day or so later, and all communications was prompt and courteous.
Enjoy your three months of browsing for that perfect steed okeydokey79.