I think the obvious here is get an 1199, I know everyone raves about the 899 but I'd buck the trend I think if I was ordering. Especially with the pcp pricing change.
Who else have you tried for a loan and what rates are you being quoted. Generally, although not always, I`d think along the lines that I would not try to buy a bike from a bank any more than I`d try to borrow money from a bike company.
Yorkshire bank is only 4.4 apr but to pay what i owe and borrow again it would be around £210 per month which is not feasible at the moment, £139 was.