Pandalet pretty much said it all but there are 2 more things to consider :
1) HSBC as a compnay used to provide aviation loans. I understand they have stopped doing that hence the requriement to shop around the branches, since some managers may still do the loan.
2) Assuming for a moment HSBC is good for 25K and a career dev. loan is good for 8K that's 33K total. You'll probably need more like 70K-80K if you're planning on the North Sea due to the extremely expensive IR (bank on about 30K for that element alone...). If you're looking at the self improver route via instructing, well 33K may well still be a little a short for the UK since you'll need around 50K to get the hours together to instruct.
You may find the only option is to get a decent paying non-flying job and save up for a few years. Either that, or the military is an option if your age is OK and you pass the tests....
Good Luck!
BG.