It can be hard to come back from Thailand to the UK and find out that while you been gone there was some old debt building up from some old Loans or credit cards.
If you still want to settle down and buy a house and a car you should really consider taking a look at some car loans. The interest is pretty low right now and buying second hand never a good option. You need a new fuel efficient car. For the house we recommend Secured Loans take a look what a few companies have to offer.
As soon as your wife has start working she could help you get things started maybe opening a export or import company. A Personal Loan could help her do that.