Am i really gonna have to pay 6 Grand!!!
The answer is yes, but you've asked the wrong question. Anybody who's owned their house for a couple of years can raise the mortgage by six grand and not notice the increased monthly payments.
The real question is: can you afford some hundreds of pounds per month to continue flying after you've got your PPL? (Or, are you only wanting to get the PPL to prove to yourself that you can pass the test after which you don't intend to fly any more?)