In the UK, a new iPhone XR will run you £750, even the refurbished ones arent cheap. You might want to consider an iPhone X instead there are refurbished, unlocked units on eBay for £630 (64GB). Youre getting an HDR-capable OLED display and a telephoto camera over the XR and almost the same phone as the iPhone XS.
iPhone X in Silver
While were looking at Apple gadgets, Currys is selling new iPad 9.7 (2018) (32GB, Space Gray) for £305, though the price should drop down to £285 tomorrow. Argos has the same model at £320 too (but supply is running out). You can also have it in Gold.