The delay at the end of the course, as in after AQC, is variable. I know of a few that in the CP40's that waited close to a year for a type rating, whereas one person finished AQC and moved straight into a type rating. I am also nearing the end of the course and I'm expecting at least 6 months. I'm hoping for a possible type rating next spring... From my understanding a few people from the original CP49 have done type ratings, not sure whether they have got an airline to go to yet though.
I've not yet spoke to HSBC regarding deferring the loan repayments but if the loan is unsecured, I don't believe there is a great deal HSBC can do other than negotiate with you the amount you can pay. I do believe they have been understanding but seeing as the interest is gathering all the time I wouldn't expect them to be harassing you for money. Feel free to pm me if you've any further q's