Julia, I am so sorry to hear about your job loss. You are not a screw up at all. You have helped me loads with my exit. Your are a fabulous writer and your writing style and sentence strucutre is unique and a joy to read. that's why you have been so helpful.
Getting jobs in this economy is frightful, paying a mortgage is stressful too. My thoughts are with you, I hope you find something quick to help you with the mortgage. Just accept anything for now and be fussy when you can pay the bills, welfare in the UK doesn't pay a mortgage I doubt it will in Oz. Just accept the first paycheck that comes your way to keep a roof over your head.
Keep us informed all the best Julia
Kate xx