Hi Max
We'd all like top surgery as quickly as possible mate, so you're definitely not alone there! However, I don't know of any private surgeons in the UK who are willing to do full chest reconstruction without you being on T and having a referral letter. - though some may accept just a letter. If you have a sympathetic GP, you could try and get them to write you a letter, although whether or not this on its own would be accepted I don't know.
If you just want breast reduction surgery, that's easy enough to obtain privately, but it won't leave you with a flat, masculine chest - although it will make it easier to bind - however, you'll probably end up having a further operation at a later date.
There are surgeons in the US who don't require you to be on T before chest surgery, but again, I'm pretty sure they require a letter before they'll do the operation - especially if you're not on T I'd guess!
An easier route would be to go privately for hormones - I know you're already considering that - and then ask Dr Curtis to write you a surgery letter (he'll charge extra for the letter, but he does do them) and then go privately for surgery. If you're able to travel, there's a choice of hundreds of surgeons in the UK, Europe and the US. Check out
Transster for loads of surgery photos to help you make your decision on who to go to!
Dave