From my time as a Flying Instructor I would strongly suggest that a contingency of 10% would be a minimum meaning have atleast an extra £7000 tucked away for those unforseen retakes / retraining / bad wx / and just general over runs. So you are looking at circa £72000 plus living expenses. Think seriously about taking on this level of debt, my first flying real flying job after 2 years of instructing paid £1600 per month so £600 per month just on a flying loan would be seriously crippling. Having said that, if it is what you really want and you are willing to put the hard yards in then go for it, it is a great way to make a living.