THE ADVISER’S NOTEBOOK
September 2025
Welcome to the September Edition of the Adviser’s Notebook!
Spring is traditionally one of the busiest times in the property market, and this year is shaping up no differently. It’s a season when more homes come onto the market, giving buyers and investors fresh opportunities to make their move.
This month, we’re focusing on all things property! Whether you’re saving for your first home, exploring government grants and deposit schemes, or weighing up options like refinancing or renovations. We’ll also look at the latest property market forecasts and highlight practical tips for managing investments and making smart choices in today’s environment.
Whether you’re a first-time buyer, a seasoned investor, or simply curious about the direction of Australia’s housing market, these insights are designed to help you make confident, informed decisions.
At Your Wealth Hub Advice, our role is to give you the clarity and guidance you need to align your property decisions with your broader financial goals.
Click below to explore this month’s articles and take the next step in your property journey.
Warm regards,
Gavin Glozier, Grad Dip, Fin Plan
CEO & Principal Financial Adviser
P 1300 763 498 • M 0408 155 140
Level 17, Angel Place, 123 Pitt Street, Sydney NSW 2000
Life the life you want to live.
Property Values On The Rise As Spring Sales Heat Up
Australia's housing market is kicking into high gear as spring approaches. Recent data shows national home values are trending upward, fueled by tight supply, interest rate cuts, and growing buyer confidence. With few properties on the market and rising demand, this spring may be one of the liveliest selling seasons yet. Reading this article will give you a clear snapshot of current market momentum and help you anticipate what lies ahead for property values and buying opportunities.
First Home Buyers Get A Boost:
Early Access To The 5% Deposit Scheme
Thinking of buying your first home? This article is your go-to resource for navigating the First Home Owner Grant (FHOG) across Australia. It breaks down the varying amounts, eligibility criteria, and property value caps by state and territory—like $10,000 in NSW and VIC, $15,000 in QLD and SA, and up to $30,000 in TAS. For many first-timers, understanding these grants can make a real difference in affordability and planning. Click to explore how much you could receive and use it wisely toward your property goals.
Invest With Purpose: Why Clarifying Your “Why” Matters
Investing without clear purpose can lead to chasing the next big thing (crypto, SPACs, or flashy trends), rather than making meaningful progress toward your goals. Morningstar’s Behavioral Insights team champions a goals-based investing framework that begins with defining why you're investing, not just what you want to grow. This approach helps anchor your strategy, maintain discipline, and avoid costly emotional decisions. It even encourages you to dig deeper beyond surface goals like “retirement” or “buying a home” and align your investments with what truly matters to you, whether that’s family security, giving back, or personal growth.
Family Help On The Homefront:
How Australian Parents Are Supporting First-time Buyers
Many young Australians are turning to family for support to help bridge the housing affordability gap. A growing number are living rent-free with parents or receiving deposit assistance—highlighting a shift toward multigenerational strategies for getting onto the property ladder. These homegrown solutions may offer both practical save-on-rent benefits and emotional ease during a challenging buying period.
Understanding these dynamics is essential if you're planning for your future whether you're assisting family members or navigating your own path to home ownership.
Refresh Your Home Without Breaking The Bank: Spring Sprouting Sustainable Style
Looking to freshen up your living space without going over budget? This article delivers seven smart and sustainable ways to spruce up your home, from swapping hardware and refreshing paint to repurposing second-hand treasures and introducing greenery. Alongside cost-conscious ideas, these styling tips can help you boost both appeal and value perfect when planning to update your home for personal enjoyment or potential resale. Click to discover simple, stylish upgrades that bring life and sustainability into your home, no heavy renovation needed!
