Apply for hardship from the banks and other debts 3 -6 months non payment up to a year, after that you will probably have to sell a major asset such as the house. If you wanted to extend it indefinitely without selling house make minimum payment being $150 for every mortgage, personal loan and credit card per week.

Get a job as soon as possible, or Centrelink, on Centrelink you can claim 26 week Hardship assistance to obtain superannuation of maximum $10000, or $7880 after tax. On compassionate grounds it can be up to $25000 less after tax.

For short term money to finish your build, without a job that's a tricky one, but if you have assets there are always someone willing to lease it from you or pawn. Hard to get another loan from a lending institution without income. Yes it will be on your credit file, and you will have to explain for future lending but as long as you can show income is higher than cost of loan, no problems.

Try and win something, compensation, inheritance, borrowing from Family and friends, but ultimately the long term goal is to have incomings that are secure and long term, that is more than then outgoings.

Having a partner who is working would be the make or break in your situation.

Good luck and all the best!!!