You into a different ball game there Liz. Academically you will be fine with but the market is pretty rubbish just now for low houred commercials and you will have to put in a fair bit of planning into the next 1-2 years and also work out how your going to finance £45k.
There are multiple ways of winding your way through the system and depending on your situation some maybe better than others.
As a quick run down
PPL 7-8k
ATPL theory plus exams 3k
Medical class 1 (you need to go and get this done first at gatwick) £500
Hour build 105 hours 12K
CPL 8k
IR 15k
MCC 2k
And an extra 4k for skills test and license issue.
If you want to go the instructor route its another 7k on top of that.