Change to

I can't comment on AUD since I'm UK based however from the UK it's a bit of a pain in the ass, I've been using either bitbargain or localbitcoins

bitbargain you can buy BTC or LTC and localbitcoins is just BTC

You will pay above market rates sadly (differs by how much)

Cashing out is an equal pain, I usually convert back to BTC and sell on localbitcoin which is really easy (you tend to get above market rates when selling)