I have a car lease agreement on my `56 plate Focus Zetec Sept next year will be the end of the agreement and I will either as I understand it have to:

1. Pay up £3600

2. Re-finance the car

3. Part ex against a new car

4. Hand the keys back and walk away.

Im just wondering if there are any views on what my best option would be given the state of the second hand market I reckon at present I would be lucky to get £7 - £7.5k now. Would it be worth seeing if I could part ex/sell the car and settle the finance now or sit tight for a year and the end of the agreement?