Pay the mortgage!
You don't state what career you are doing at the moment.
Is it worth giving up this employment for the stress and hassle of trying to complete a fATPL with no guarantee of a job/career at the end of it. I would consider carefully how long this is going to take you and even then you'll be competing with twenty year olds with similiar qualifications and possibly several more hours.
If you want to check out another thread for a better insight have a look at "How to increase chances" by PilotWill.