The short answer is obviously very difficult, else it would exist.
Intersango had an exchange, but they got through 2 or 3 bank accounts in the UK before being shut down.
No idea what you are on about with the 25% though. bitstamp.net is very efficient, just a £9 charge to wire money to them with SEPA transfer. Give them a go. Its only 25% if you want to deposit £40 or something
Thing is though they take 3-4 days before the funds are available and currently that can make a huge difference in value.
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When I put money in last month, it was 1 day. They must have got bogged down with all the new customers. In which case, its a bummer, but currently no way round it. Its never too late though, put money in now, wait for another crash and buy. Don't wait for the crash ..............