Basically I just want some advice on where to go from here, I know this forum has a lot of helpful people so hopefully get some golden advice here 
I started swimming/cycling and running for weight loss 5 months ago so a mixture of heavy and steady state cardio. This worked wonders I am now pretty much happy with my size (I'm 12.25st and 6ft 1 from 16.2st) but I want some advice on toning up. My only problem is I seem to have a little bit of stomach fat and little bits of fat here and there maybe because I was large before?
I'm not currently at a gym but am signed up to a leisure centre but purely sauna/swim use only. I go swimming almost every day and run about 10 miles a week but now I feel I've reached the point where I have got most of the benefits from cardio
Swimming is helping tone me up more but how can I really see a difference is it a case of losing even more weight? I wouldn't want to be much slimmer than I am now tbh otherwise I'll start to feel like a rake or shall I just get to the gym and if so what sort of excercise for cutting bodyfat % down?

I started swimming/cycling and running for weight loss 5 months ago so a mixture of heavy and steady state cardio. This worked wonders I am now pretty much happy with my size (I'm 12.25st and 6ft 1 from 16.2st) but I want some advice on toning up. My only problem is I seem to have a little bit of stomach fat and little bits of fat here and there maybe because I was large before?
I'm not currently at a gym but am signed up to a leisure centre but purely sauna/swim use only. I go swimming almost every day and run about 10 miles a week but now I feel I've reached the point where I have got most of the benefits from cardio
Swimming is helping tone me up more but how can I really see a difference is it a case of losing even more weight? I wouldn't want to be much slimmer than I am now tbh otherwise I'll start to feel like a rake or shall I just get to the gym and if so what sort of excercise for cutting bodyfat % down?