I would definitely recommend seeing a broker. They are there to play to your favour, not necessarily their own back pocket. Also take as much info as you can to back up your situation (eg, payslips, budget, even samples of ads for houses which interest you). Know what area you are keen to buy in & watch prices (not just list prices but sale prices also) as this could be a good indication of how much you will be able to borrow. Some banks will do up to a 97% lend with mortgage insurance if you can't find one to help with family pledge loan.
I know we borrowed 100% when we bought our first house about 5 years ago. From there we have stepped upwards, & more recently with the arrival of our DD downwards. Just remember it is only your first house, so try to think of it as a stepping stone.
I see you're north brisbane. Give me a PM if you would like a recommendation on brokers, I work for an Accounting firm & we have contacts in banks & broking. I'm on the sunny coast, but most are willing to travel & help out where they can.
I would still see the bank & just see what they have to say.....you might be pleasantly surprised. But yes, I agree with most above, the computer does the sums these days. If you're lucky you will land a good broker or lending officer & then you can keep going back to them forever more. Best of luck with it!