dgwhitc
I'm in a similar boat with wife and kids albeit a bit older.
I looked into CTC etc. but decided after reading many reviews it would be safer to go modular for about £55-60k (assuming minimum hours etc.) and not risk losing the house and also I couldn't easily relocate. Having Staverton (Gloucestershire) Airport and some great FTO 5 minutes away helps sway things toward modular too.
Hope that helps?