Financing Medicine as a Second Degree - Grad/Undergrad Entry

So I am applying to Southampton next year for both standard and GEM. I had initially assumed I wouldn't score highly enough on UCAT for GEM but sat UCAT yesterday and managed a fairly competitive score, and the rest of my application is quite strong so there is plausible outcome of having to decide between the two.

There are lots of resources around about how to fund medicine as a second degree, but a huge amount of conflicting answers and having phoned SFE this morning the advisor has left me even more uncertain.

One of the key things I can't get a clear answer for is how much maintenance loan is available for both courses (I would be eligible for maximum amount due to dependents). Does anyone have experience of this/a reliable source? In some places it seems you get the full amount, but have also read somewhere about GEM having a reduced maintenence loan?

If it helps, I have dependants and I got my loan allocation this month. I didn’t actually submit evidence for everything as I want to pay my fees as much myself as possible and take as small a loan as I can. My allocated amount for maintenance was about £4.5k for the standard 5 year entry course.

That's much less than the maximum right? The way I see it I may as well take everything I can get, with the finance I already have outstanding and the crazy high interest I'm going to be paying the graduate tax the rest of my life anyway and it's not like your repayments scale with how much you owe.