Silicon Chip
I have just got my first airline job and I am in my late forties. It took me over two years after getting my fATPL. I did however, have over a thousand hours, MCC etc.
It might be worth considering keeping your job and doing a modular CPL/IR followed by a FI Rating to help you build your hours. I estimate it would cost you around 30k plus you would still be earning a living. I too am a family man with a mortgage etc.
With regard to future job prospects, if the latest projected growth in air travel and the need for additional airport capacity is to be believed then you may well get a job in a couple of years. No guarantees though.