Modular can be done, in the UK, at good schools for £48,000 and in 12 months if you are in a hurry for some bizzare and misguided reason.
Not many Integrated courses that can be done for under £62k.
You probably live within an hours distance of a perfectly good flying school who can do you a CPL/IR. Home study and brush up course for the ATPL's only requires about 4 weeks away from home if you don't happen to live within commute of a Groundschool.
Its a NO BRAINER at the moment to go Modular. Has been for 3 years.