I would second the advice to look at musicmaker’s kits – they really are very good instruments and allow you to personalise the decoration/finish if you wish. As money is an issue (as it is for most at present) you can also save a bit by not installing levers right away. You can always instal them later, when you’ve a bit of knowledge under your belt and are playing pieces that require key changes. Just remember that there will be tax to pay when the kit reaches the UK so you’ll need to figure that into your sums.
I’d also second the advice about Pilgrim’s Skylark. Pilgrim harps are generally very well thought of by those who’ve played them so if you haven’t already, you might want to check out their website.
Unfortunately harps just aren’t cheap, but especially so here in the UK!