Go modular.
Firstly do nothing more than get the Class One. A PPL and start the ATPL distance learning course with X or Y provider. All that will take you until next Spring to get done. In the meantime work and save.
Make sure Gulf War2 isn't going to happen next Spring and then remortgage the house for the £30k you will need for the Hours/CPL/Multi/IR.
That would be my plan of attack. The first phase of PPL/Medical/ATPL enrollment should cost no more than about £6,000 which I assume you can access now without significant pain.
Good luck,
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