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This is your first problem. You have been finding small studios (which as Rolf says are very hard to get finance for, or if you do, are very hard to resell because future buyers will find them very hard to get finance for). Or you have been finding serviced apartments (these generally...
I have been looking for a apartment unit in Sydney CBD or Surrounding area for a few weeks. I have a budget around 200k - 250k ! I have found some property from the internet within my budget in Chippendale, Surry Hill, Pottspoint, Woolloomooloo, etc but most of them are studio units so I do not...