Hook up with an Astronomical Society that hires telescopes to members. If you become a member you can try before you buy and have a scope while you get the cash together for your own. It is very low cost to hire. I loaned a scope for three months. It cost $20 and a refundable $50 deposit.
There will be modest membership fees but the value of being involved in groups like this makes the small annual cost look like a bargain.
Astronomy Australia 2013 lists 11 Societies in Victoria. That must mean there are a few in Melbourne. This link will help you find a local group:
http://www.quasarastronomy.com.au/society.htm