ricee007 - For your house deposit, you could consider a First Home Owners Account with one of the big four. Government pays 17% on the first $5000 each year, plus the bank pays interest of 4-5% and tax on the income is 15%. It's locked away for four years (a bit longer than you had in mind), but might be worth having a look at.
Of course, this is not financial advice and you should do your own research and make your own decision. Just an idea.
Sorry to use the QBE thread for this.
Cheers
time to head off, so, my closing thoughts..., page-6
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