Hi,
Good approach from Linda Mollison.
Try hold on to your house and go modular IF you are not too concerned about the time scale. 30 is not that bad, I'm 36 and only on my 2nd ATPL module and not in the least bit worried.
Do your PPL and work at same time, no problem! If you like it and I have no doubt you will love it, you can take 7months and do full time ATPL( giving up job) or go distance learning with Bristol/Oxford, hard with a full-time job, could you work part-time?
Then whith PPl and ATPL theory inhand, you can still CPL/ME/IR whilst working or go full-time at that point. Maybe rent your house out, move in with family for a year or so etc. Lots of possibilities which are not as risky...remember there are so few guaranties at this point and all the way through that you may feel better if you still have the house.
Good luck