Thanks for your replies.
At my father’s suggestion, I rang a mortgage professionals type place and they told me they couldn’t help me unless I had at least 12% for a deposit saved up as I can’t use the FHOG for the deposit. I think it was the Mortgage Originators or Specialists or something.
I also talked to another investment group Destiny Financials, but they said they can only help if you have no debt and some decent savings.
So I had accepted that my current situation is bleak until all debt is paid off and a princely sum saved.