Mate go do the gap year first. Getting your CPL now isn't a priority. The pilot job market now is very bad so don't feel that your missing out.
Go to Oz and NZ and have a great time. Anything can happen. You might meet a nice girl and stay! Oz has gotten rather expensive in the last 10 years due to the falling pound and high inflation in. When you get there don't mess around. Get a job. Any job and start earning. You don't have to get hammered every night either. Be smart. The amount of Brits I see running home after 3 months cause they blew all their cash on booze is astounding.
Pm me if you want anymore advice.