Morninglory
I think many airlines prefer candidates to have done an integrated course of training. As you hsve completed your ATPL exams you are obviously on the modular route. As an example of the airlines' attitude to non integrated course applicants BA Citi-Express were interested in
CAP 509 graduates or if not you had to have a minimum of 1000 hours.
To avoid running up large debts it may be better to do the Modular CPL first and the Modular IR later. It is worth remembering that if the market doesn't pick up your IR may well gather dust.
At least if you get your CPL you can then do a FI course and do some instructing to build hours. That is assuming you can get an instructing job in the current climate.
Hope you find this helpful