Shed.
I wouldnt do it on that income. That would be a hell of a mill stone around your neck.
Wait a couple of years for the insurance to go down or flogg the valver for a 1.2 for 6 months and put what ever you save into the bank to get your savings up.
Do you live at home? If you do I'm guessing you'll want to get off soon and a 172 on what you earn wouldnt allow you to save etc for a deposit.
got atleast 4 more years at home. Dont wanna piss off just yet as id rarther bum off my parents lol.