What other local LBS bike brands do you have?
Looking for a HT for gentle bimbles but not a BSO POS
Buy secondhand.
Unless mrs_crazyhenkins is on higher tax, the lower the purchase price, the lower the savings.
Having just bought a £1.6k bike in sale for £1k, C2W could not get close. By the time I added a C2W fee and worked out the (lower tax bracket) savings, it was cheaper to just get 0% credit card.
For under £500, I would pop up a wanted classifieds advert. For example, I am about to sell or break up a Sanderson Breath, XT/XTR 9 speed, Hope hubs, Magura MT2 brakes and Fox F120 bolt through. I will be lucky to get £200 for it as it does need new drivetrain.
A better condition, lower spec bike should be £2-300 second hand.