Thanks to all! The CPL/FI incorporates all ATPL exams up to IR/Multi rating and MCC, a further 20k cost. I am hoping for a miracle to get that kind of spare cash after a couple of years as FI, but it seems too risky to go for the full ATPL to start! It seems like a fun job, although I did the PPL in Florida so my experience of UK flying is limited. (still lots of weather and serviceability problems there too!)