I have recently passed the APP Selection Process at OAT. This pass is valid for 12 months and depending upon how well you do if there is any more "sponsored schemes" such as Excel and Thomas Cook, you may be eligible to enrol - depending upon other qualifications e.g. A-Levels and anything else the airline wants to check i.e. another sim check etc
If there is no sponsorship, OAT provide you with a business plan to help secure up to £50k with HSBC (secured, 2% above base rate variable + another £20k (possible) for type rating if required)
If i remember correctly only 2 people have been turned down by HSBC, 1 was because he turned up in jeans & t-shirt, the other hadn't told parents he was going to secure loan on their house!
A good person to speak to at OAT is Mike Griffith.
Hope this may help, let me know if you want a copy of the business plan e-mailing to you.
Jonathan