Welcome to the forum.
In Theory buying your own aircraft is the most cost effective way of getting a PPL. I know of several people who have bought permit aircraft outright, learned to fly on them and then kept them for 4 to 5 years. I would have thought it would also work on an EASA aircraft. The problem is you need the capital up front to make it work. Doing this in a group will be much harder as the existing group is unlikely to want to sell to a student unless they are desperate.
Rod1