It depends what way you enter Easy. If you go in via GECAT as a newbie, you pay, but then they put you on full salary (90% for first six months but thats something they do for every1 i think).
Via CTC, your tr's kinda sponsored isnt it? Someone might wanna correct me there. Then Easy put you on reduced salary for a period of time.
With the Oxford/uni/hsbc thing. There are plenty of graduates at oxford in that situation. You'll prob be able to get it, however, thats if theres sufficient equity in a house you have access to! Contrary to common myth the loan is secured, normally by means of a garuntoor (ive never been able to spell that!). Also with hsbc, things are more negotiable than you may at first think. Remember, with them, you are a bloody good customer, you're taking a massive loan payinga lot of interest with which there isnt a penny of risk for them because it is secured. As long as you have sufficient security, dont take no for an answer from them!