p.savage
HSBC would only loan me £15000 as I didn't bank with them. I had a business plan, have a reasonably well paid job and a house, but that was the maximum they would offer me at this stage as I have no credit history with them.
As the lady I dealt with said, if I need more money in a years time I will then have a history with them, and they then have a vested interest in my success.
Leezyjet
Budget for £40 - 50000 (modular), £60000+ (integrated) to complete training for the licence and ratings required. A type rating is extra on top but personally I wouldn't pay for one.
As to which method is best, search these forums for past threads on modular v integrated for plenty of views on that one. Which one you choose depends on your circumstances and what you feel best with.