Great idea.
Or just call them every few hours and pretend you're a debt collector. That will really show them what life will be like in a few years.

For myself and my partner, with a total income of $70k, we were only offered a max of $315k from a major bank. Even then, the repayments would be…

Definitely roll them into your home loan if you can - but increase your loan repayments with some of the cash it frees up.