Wealth Planning & Market Insights

THE ADVISER MONTHLY | September 2025

VOLUME V. ISSUE 9

Welcome to the September Edition of The Adviser Monthly!

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 Make Work Optional, our role is to give you the clarity and guidance you need to align your property decisions with your broader financial goals.

Check out this month’s articles below and take the next step in your property journey.

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.

FIRST HOME BUYERS GET A BOOST: EARLY ACCESS TO THE 5% DEPOSIT SCHEME

The Government has fast-tracked its expanded First Home Guarantee Scheme to start from 1 October 2025 – three months earlier than planned. For aspiring homeowners, this means you may soon be able to secure your first home with just a 5% deposit and no Lenders Mortgage Insurance required, as long as you meet eligibility criteria. Crucially, income caps and annual quotas have been removed and property price limits lifted, making the scheme more accessible and meaningful across the country. If home ownership is on your horizon, this read is essential. It could help you move in sooner and save tens of thousands in the process.

FAMILY HELP ON THE HOME FRONT: 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.

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.

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!

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