Gearupandoff,
Why discount the cadet schemes? Mate, you have your house paid off. Don't waste your time trekking around the country - apply to a cadet scheme and then borrow the money against your house. At your age it will be the best option available to you and Mrs G. QF Mainline is focusing on Cadets due to the large no. of pilots required at the moment so go for it or the QFLink scheme.
M