Deferring then possibly withdrawing from Masters?

So I'm applying to Birmingham and Kent for Medieval Studies/Early Modern and Medieval Studies, and I decided a few weeks ago to defer my start date from the 2020-21 academic year to 2021-22 academic year if they offer me a place, since both their websites say I can only apply for a deferral afterwards. I've nearly finished both my applications, but I wanted to see if this is possible just because my situation is a bit complicated.

The only problem I'm having is that I'm taking a year out not just to work, but to make sure I want to do those masters instead a masters in a similar field, but that specifically requires a masters in that field (which are very competitive) if I want to work outside academia in that field. And if I do decide I want to continue with Medieval Studies, I want to reapply to another university I already applied to this year which rejected me, because I really messed up my application and I know I can do better.

Because of all that, I'm wondering in case anyone has any experience with this sort of thing - if I get an offer and accept it (with the deferred start date), will I still be able to cancel during the 2020-21 academic year? They mention stuff about refunds and everything, but if I defer I don't think I'd be paying anything until summer of 2021, which'd be accommodation, so that's not a concern, just my ability to withdraw from the course before I start it is.

As long as you aren't required to pay a non-refundable deposit that you'd want back, then I'm pretty sure you can bow out before you start. Have you asked the universities as to whether this would be possible? I doubt they would mind you asking.

So I'm applying to Birmingham and Kent for Medieval Studies/Early Modern and Medieval Studies, and I decided a few weeks ago to defer my start date from the 2020-21 academic year to 2021-22 academic year if they offer me a place, since both their websites say I can only apply for a deferral afterwards. I've nearly finished both my applications, but I wanted to see if this is possible just because my situation is a bit complicated.

The only problem I'm having is that I'm taking a year out not just to work, but to make sure I want to do those masters instead a masters in a similar field, but that specifically requires a masters in that field (which are very competitive) if I want to work outside academia in that field. And if I do decide I want to continue with Medieval Studies, I want to reapply to another university I already applied to this year which rejected me, because I really messed up my application and I know I can do better.

Because of all that, I'm wondering in case anyone has any experience with this sort of thing - if I get an offer and accept it (with the deferred start date), will I still be able to cancel during the 2020-21 academic year? They mention stuff about refunds and everything, but if I defer I don't think I'd be paying anything until summer of 2021, which'd be accommodation, so that's not a concern, just my ability to withdraw from the course before I start it is.