Hi Julie,
We are just coming to the end of our 6 year slog to get in to Oz. We used a great agent based in Cheshire called The Emigration Group, these were the second people we approached to help us with our visa as we were informed back in 2009 by an Oz agent we would not get in (like you we had very late night chats and costs incurred to send money over). Due to our age and jobs (I'm an OT and my husband is in construction) we too struggled and after advice have got a 489 regional sponsorship visa for Orana region in NSW.
I believe what we paid for our agency (£3,500 approx; initial consultation to see if we had the possibility to emigrate was £125) was money well worth spending. We will be moving this summer to Oz a dream we have had for 6 years.
Good luck, Lisa G