Hi Banjo George,
Good on you for giving it a go.........I did the same and got my CPL after I was forty. Now doing my instructors (in a few weeks) and have to job when I've got the piece of plastic. Life is too short not to give what you want a go. I'd always wanted to fly since about 12.......but being a female (you know marriage, kids etc) stopped me until the kids were old enough to take care of themselves.
I would encourage you to come to NZ to do hour building. You'd get more bang for the pound. (Doesn't sound as good as bang for buck).
Then go back to England to finish off your CPL and exams. I know an English guy that trained with us that did that. PM me if you want his addy for info.
Best of luck..........
Cheers Helinun