What kind of rope?
If you fall from above your attachment point using a static rope and no energy absorbtion pack, you will almost certainly break something, be it rope, harness or anchor point.
It sounds to me that you're looking at a small fall, a sudden jerk/ripping noise and then a longer fall.
I thought the ladder had fallen down.... Even if you have an assistant, they're not going to be able to climb an ordinary ladder, arrange an adult on their shoulder, cut the lanyard and then climb down with you.
If you're unable to move when you're dangling in your harness, you'll be dead within a short time for reasons which are not *completely* understood but are well documented. Look up 'suspension trauma'. If you've fallen on a rope which is tied through a window or over the eaves of a house, you'll have been bashed into the wall as you fell.
I think you'd be better putting the forty quid towards a higher quality ladder - I don't think you're going to do much useful for that in terms of bits of nylon.
Will