The arrangement CTC have with HSBC is unique as far as I know. CTC require a bond of £60,000 with an additional £4,500 for a NZ PPL. I have taken a loan from HSBC for this amount and a further £5,000 for living expenses. The value of my training surpasses £65,000 as at a later date the type rating, base and line training are completed at no extra cost. This loan is unsecured and I have no collateral or savings to speak of.
My understanding of OAT's arrangement is HSBC will lend you up to £50,000 and anything above that you require must be from other sources. Savings, credit cards or parents! With living expenses you’re probably looking at a shade under £70,000. Hope this helps!