Newbie,
With that GBP 30 K you could go to a school in Florida on a 2 year visa, do your FAA PPL,Comm,Multi IR, CFIMEII. Work as an instructor for the remainder of your 2 years, complete all your permissable JAR stuff at the SAME school while doing instruction and come home with 1600+ multi hours.
There is NO school in the UK that will offer you the same.
Any more than 4 months is to long for a PPL if you are going all the way to ATPL on a loan. The US is not as cr@p as you might think, Thousands of foreign pilots graduate from their schools every year and go on to have successful aviation careers, I know cause I am one of them.
Good Luck