Having looked a bit more, there are some interesting options out there with a £20k budget, including a current shape Toyota Yaris hybrid (10 year warranty if serviced within the dealer network) and its Mazda badged twin. Given the need for reliability, either should be high up on a list of possibles and a brand new example is possible.
I use the Carfile site for my prices. Some sites have lower prices but these tend to have strings attached. One major player says that you never pay them a penny whereas in truth you do pay them the £1000 deposit and they supposedly pass it to the dealer, when I challenged them about this they said I was the first person ever to raise it, refused to allow me to pay the dealer and ended the call. When we ordered the Yaris back in September we also looked at the Mazda but other than nicer wheels (IMHO) it had no advantages, it was more expensive with a shorter warranty.
Just looked at Carfiles site, the Yaris Icon is a touch over £20000 after deposit contribution, that's about £2000 more than the Fabia. The Yaris (even the Icon) seems to be better equipped than the Fabia, all down to personal choice. We bought the Yaris because of the electric handbrake (and everything else about the car met our needs).
With your budget of circa £20000 new there is only one answer, a Skoda Fabia.
But not its mechanical twin the Seat Ibiza? (also available new under £20k)
Nothing against Seats, our Leon was an excellent car but the 3 dealers we used whilst owning the car were pretty dreadful, thankfully Seat Customer Services were very good, sorted the issues and sent me £200 financial compensation. But the dealers would put me off recommending one. The fact that Carfile don't list Seats any more (they stopped back in about 2015) suggests I was not the only one.
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