WQ - ingo you seem to like ignoring advice given to you.
200 pounds a month is being extremely optimistic. Oxford is an expensive place and I can almost guarantee that you should budget about 300 pounds minimum a month. Riding to school whilst a nice though could be impractical in the heavy rain and cold of winter, and have you given a though to the weight of those books you'll be lugging around?
Then there is the problem of passing all flying on minimum time. Its not uncommon to partial pass the IR so then youll have to budget on yet more money to get more hours and more test fees up to the required standard.
Like its been said before you will be entering the industry at the worst time. Have you budgeted on no job for 6 months? How will you pay mum and dad back?
I wish that Oxford students would get BA out of their head. Your chances of getting a job their are slim. It would be much more prudent to plan on getting no job at all or taking the FIRST job you are given the chance to join. Interesting fact but the majority of current students are going to the low cost carriers.
One has to ask why you want to go to OAA. They produce the same product and they charge a premium for it. You would be much better placed to go modular and save that money. Especially seeing as its your mum and dads house that is at stake.