Being brutally honest, a 96.95 ATAR would render you uncompetitive for the vast majority of universities, at least those which factor ATAR into their final weighting - those unis generally require 98+ for a chance and 99+ for a good chance. That leaves the unis which only treat ATAR as a hurdle i.e. if you meet the ATAR requirement, all is good and they don't look at it anymore. That sounds like a good thing in theory but what it does is shift all of the focus onto your UCAT and interview - two very unpredictable things.
JMP only stipulates an ATAR hurdle of ~94, but you MUST have a UCAT score of 92%ile+ to be invited to attend an interview, and final place offers (1:3 place offer-to-interview ratio) are based entirely on interview performance.
JPM also employs a similar ATAR hurdle of ~95, but you need a VR score of ~700+ and an overall percentile in the 90s to be invited to attend an interview. From there, place offers will be 25% UCAT and 75% interview.
Your best bet is to start uni to get a 6.5+ GPA (which usually converts favourably into a 99.50 ATAR) as JMP and JPM remain open for non-standard entry (you won't be limited anymore than you already are), and you might even get a shot at UNSW which also takes non-standards. Starting uni might seem like a daunting thing but I would argue that the looser structure of uni offers more flexibility than high school with regard to preparing for the UCAT provided you manage your time well and keep on top of things.