This is what I did, it might work for you. Instead of going the traditional route of taking out a contract I went sim only with my current supplier - threatened to leave etc and got a really cheap deal. I then went on apple and got an iPhone 6s 64gb on finance over 2 years, the best iPhone available at the time. It works out at 42 quid a month for a deal that would have cost me about 60 a month from a phone shop. The added perk is, if you buy direct from apple you get 2 year warranty rather than one. So if you have the phone 18 months and the battery goes shit, they'll replace it under warranty .