When did you do A-levels? Recently, or when you were in school originally? If it was the former, then you would likely need to do an Access to HE course or similar anyway, as most universities require evidence of recent academic studies (within the last three years typically).
Either way, I believe you should be able to be funded via an Advanced Learner Loan for an Access to HE course. If you go on to complete a degree after this, the Advanced Learner Loan gets written off as well. You can only be funded for one Access course via an Advanced Learner Loan however, so do check beforehand that the course you're considering (if you go that route) is acceptable for entry to the degree programmes you want to apply to (I would suggest directly contacting universities with full details of any access course including the course provider etc, to make sure). An extra year isn't much honestly, if you aren't in dire straits financially in the meantime.
As an alternative to an Access to HE course you could look at degrees with a foundation year - sometimes these cater for mature students who are a few years removed from their former studies, and may be more flexible on grades in view of this (realising old qualifications don't necessarily represent your current ability). You might need to sit a test or attend an interview for them to assess your preparation for such a course though. The science foundation year at Southampton when I was there certainly had several mature students who were several years on from their A-levels (or hadn't done them) and some of them hadn't done so well in them originally; they all did quite well as I recall and progressed to their degree of choice.
An hour commute is pretty hard, even if it's relatively straightforward (i.e. not many changes etc). Is it possible for you to move nearer the course provider? Alternately, you may want to get your drivers license first so you can be more in control of your commute.
Regarding anxiety, if you haven't already I would suggest speaking with your GP about it and your plans, they may be able to help advise. It would be better to wait until you are confident with the state of your mental health before embarking on a course, to make sure you can get as much out of it was you can.