The current Ford Focus is very good looking car imo with a fairly inoffensive interior. I'd try that after the BMW, but as said previously probably down to the finance taking into account the old VWFS.
Shame you don't get the 2.5 litre Mazda 3. Bought a top spec one for my wife two months back and we are both blown away by it. I actually prefer it to drive to my 7.5GTI (ducks for cover). Interior especially is very premium. Worth a look, maybe?
What engine did you get in the 3? I did look at that as an option (Mum had one years ago and it was bomb proof) but was put off by reports that the engine was a bit strained and needed a turbo.
We have the 2.5 litre SkyActiv-G engine. 139kw and 252nm. I've driven the 2.0 litre and agree it would feel under-done in the current 3, IMO. They're quite interesting engines - some good innovations:
https://www.mazda.com/en/innovation/technology/skyactiv/skyactiv-g/ Mazda also seem to have largely overcome the DI inlet valve/tract coking issue by running inlet valves at 400 degrees celcius! Engine is responsive and to my ears has a lovely growl.
As for the drive, I can honestly say it is every bit as good as the Audis and BMWs I've driven. Genuinely premium. Ride is firm but compliant (think of a GTI DCC on comfort but without the float - feels way more tied down). It is a very quiet car - little wind and road noise. The whole feel is definitely premium. The highlight for me is the steering, which is slower than my GTI but has a lot more feel and to me is more natural. None of my GTI's two-bites at each corner - just a feelsome, flowing, natural feeling tiller. Engine performance from the 2.5 is great - more than enough to provide sprightly performance when you need it. I'd put it on par with the 2.4 litre Accord Euro my wife had previously. Fuel efficiency is very good - about half a litre/100kms better than my GTI in most circumstances (except pure hwy driving where they're on par.)
The external styling is personal preference. We love it. I thought the awful rear and 3/4 vision would be a problem, but the combination of reversing cameras (including a neat birds-eye 360d one), and sensors all-round have overcome my concerns.
And the interior is, IMO, a cut above anything else in the price range. And most in the segment above.
This is the colour and model we went for.
https://www.whichcar.com.au/car-reviews/2019-mazda-3-astina-g25-reviewDoes UK get the new 2.0 SkyActiv-X engine? If so, that would be a good Golf alternative.