You don't have to be a certain age for 0% finance, just look in the right places.
Arnold Clark do 0% finance, or did last time i checked.
You should try quotes with Pass Plus, and with your Mum on the policy.
Bit still, could you not to spend a little more, say £2500-£3,000 if it meant having it on 0% finance, but more importantly a better car over the coming years?
thats terrible! my first car rover 214 has nearly 100 *99/95 think* and that had a 1.4 and was 15 years old, are they really detuned or something?