Bluepeely,
Loads of us have postponed homeownership for the sake of funding pilot training, you have to accept you can't have everything in life, furthermore if you knew that flying was your ambition why did you laden yourself with commitment that you knew would hinder your progress?
Also there are plenty of us who managed to fund this without "living at home with the parents" (although not debt free my debts are only in the region of 12000, due to the fact that ppl, hour build and distance learning ATPL were all completed while still working). Its a level that is manageable such that I was able to become a full time instructor this summer.
If you have a mortgage and are in a position to remortgage then it probably one of the best ways to finance the training, at least you still have an asset to go with the debt accrued though the flight training, in which case you are in a better situation than most.