Hi Jim!
Considering you're in Australia, have you ever looked into Hair Restore Advanced (promotional link removed)? It's a natural hair loss product that helps you manage your hair loss, hair thinning, hair fall and premature greying hair. It's worth a shot before you start the heavy stuff full of chemicals (which often have serious side-effects), especially considering you're still quite young.
Let me know if you'd like some more information.
Cheers,
the team from Hair Restore Advanced