A few questions.
How are you at 18 or 19 years of age going to raise upwards of £40K?
Banks just don't throw £40K around to anyone.
Parents normally have to Re-mortgage their homes to help finance their children, it can be a large burden.
How are you going to pay back the £40K once your training has finished?
Can you afford to pay £500 or so, per month for 10 years to pay off a loan for £40K?
How long will it take you to get a job?
How much are you going to earn in the first few years? If you go to a Loco who makes you pay for everything you will be in even more debt.
I do not want to rain on your parade, just have your eyes open to the cold harsh reality of truth.
best of luck
FF.
PS. BG is right about the 15% minimum to add to costs, aviation is a dammed expensive move.Also you will need some equipment, Headset, Pens, Charts, Etc and if you do go to the states you will want to have some fun as well.