My sister and her partner are going through PR as we speak. She had exactly the same experiences as you in Ontario the first couple of years - having to buy a car for cash as no credit available etc - they're just about to buy a house (once PR sorted) and the 20% deposit that is required is eye-watering )not mention all the other fees).I moved to Canada close to 20 years ago and can tell you that you'll need a shed load of funds available to you if you are planning such a move. Any credit history you have in the UK will disappear and you have to start from zero. If it's anything like Canada they'll give you a social insurance number that reflects that you are on a work permit. Try getting credit and the first reaction is to bring out the crosses and the garlic to ward you off, so initially it will have to be "if i can't afford to pay for it in full I don't buy it".
The path to permanent residency and citizenship will be full of additional costs and some effort (for that you can thank all of those who gamed the system in previous years who added costly steps to avoid fraud seen previously.
I'm a member of an number of immigration forums and I'm seeing a lot of people who I would class as "immigration butterflies" looking to leave Oz for Canada, this would indicate that it's not that easy to settle there and they are looking for somewhere else for the better life.