Just make sure you read the small print on your hp agreement. I did this sort of arrangement, deposit, monthly payments then balloon thinking that once the balloon was paid the van was mine. Wrong!!! I still have to pay one months rental of what I was paying, once a year. Also, when I do eventually sell the van I have to give Bank of Scotland (lease agreement was funded by them) the VAT on what I sell it for plus 5% of sale price before the finance agreement actually comes to an end. So when I thought I would own the van after 4 years of payibg for it, it turns out the Bank actually own it and I have had the privilege of paying another 4 years worth of monthly payments on it so far as had the van 8 years. Those c**ts at Motorpoint never told me any of that even though I specifically asked about the detais of the plan. My own fault for not reading the 28 pages of small print. c**ts