WELCOME TO THE SUMMER 2025
PUBLISHER
Century 21 Australia Pty Ltd
CONTRIBUTORS
Cotality
Millie Looker, Adelady
EDITORIAL ENQUIRIES
Century 21 Australia (02) 8295 0600
ADVERTISING ENQUIRIES
Century 21 Australia (02) 8295 0600
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H OUSING GROWTH EASES AS AFFORDABILITY AND RATES LOOM LARGE
BY COTALITY
Cotality’s national Home Value Index rose another 1.0% in November, marking the third month in a row where Australian home values have increased by one per cent or more. However, the pace of growth is moderating, coming down from 1.1% in October.
The headline growth figure was weighed down by Australia’s two largest cities, with Sydney values rising 0.5% in November and Melbourne values up 0.3%. Every other capital city recorded a rise of at least 1.0% through the month, led by Perth with a solid 2.4% surge in values.
Cotality’s research director, Tim Lawless, noted that growth in home values across the mid-sized capitals is once again diverging from the larger cities – a similar trend to the one seen in late 2023 and 2024.
“The skew towards the mid-sized capitals is especially evident in Perth, where listings are holding more than 40% below average, buyer demand is elevated and the 2.4% monthly rise in dwelling values has added just over $21,000 to the median in November, roughly $5,000/week.”
A lower monthly gain in Sydney, at 0.5%, could be reflective of affordability constraints putting a ceiling on growth. Mr. Lawless pointed to the fact that Sydney has a smaller supply deficit, with listings tracking 2.2% below the five-year average for this time of the year. This is compared with the capital city
benchmark, where listings are about 16% below average. While most markets gained price momentum through spring, Sydney’s monthly growth rate looks to have peaked at 0.9% in August.
The subtle easing in the headline result comes as auction clearance rates have trended lower since peaking in mid-September, falling below the decade average by mid-November. Both Sydney and Melbourne have seen clearance rates hold in the low 60% range through the second half of November.
Record levels of housing unaffordability are another factor, with affordability metrics to the September quarter showing a record high in the national dwelling value to household income ratio (the median dwelling value is 8.2 times higher than the annual pre-tax household income) and near record levels of income required to service a mortgage at the median value (45.0%).
Another demand-side factor that might weigh on housing growth going forward is the rebound in infl ation as well as the now widely
held expectation that interest rates won't be cut further anytime soon.
“With inflation once again above the RBA’s target range and rates potentially on hold for the foreseeable future, it's likely housing sentiment will suffer,” said Mr. Lawless.
“With housing affordability already stretched and worsening, it stands to reason that fewer borrowers will be able to access credit as serviceability barriers become more prominent.”
“We can already see the flow through effect from such stretched affordability and serviceability measures, with growth in housing values skewed towards lower price points of the market.”
“Over the past three months, most of the state capitals have seen values across the lower quartile of the market rising the fastest. Melbourne, where housing affordability isn’t quite as stretched, is the one exception, with the city’s broad middle of the market is seeing the fastest lift in values.”
The impacts of the recent policy announcement from APRA to limit high debt-to-income (DTI) ratio
loans to 20% of new lending will also be limited, according to Mr. Lawless. He noted the majority of recent mortgage originations remain significantly below a DTI of six or more.
“This new credit policy won't be implemented until February next year, but even then, it's likely to only affect the margins of borrowing activity,” Mr Lawless said.
W HAT HAPPENS AFTER THE SOLD STICKER? A SELLER’S GUIDE TO SETTLEMENT
THE SAL E IS JUST THE BEGINNING
Seeing the sold sticker go up is a big moment. But while the negotiations are over, the process is not. Settlement is the final stage of your sale, and it comes with its own set of deadlines, documents, and moving parts.
Here’s what every seller should know once the contract is signed, and how to navigate the weeks between acceptance and settlement day with confidence.
1. UNDERSTAND YOUR SETTLEMENT TIMELINE
The standard settlement period in Australia is typically 30 to 90 days, depending on what has been agreed in the contract. During this time, both parties work through their legal, financial, and logistical steps to finalise the transfer of ownership.
Your conveyancer or solicitor will guide you through the legal paperwork, while your agent will help keep things moving toward the agreed date.
Tip: Confirm your key dates with all parties, including your agent, conveyanc er, and bank, to avoid last-minute delays.
2. FINALISE UTILITIES, INSURANCE, AND COUNCIL OBLIGATIONS
Once the property changes hands, you are no longer responsible for rates, water, and insurance. However, it is up to you to notify the relevant providers before settlement day.
Make sure you:
• Cancel or transfer your electricity, water, internet, and gas
• Contact your local council to notify them of the sale
• Keep your home and contents insurance active until settlement is complete
Tip: Do not cancel your insurance too early. Maintain coverage right up until the buyer takes legal ownership.
3. PREPARE FOR THE FINAL INSPECTION
The buyer is entitled to a final inspection, usually within the week before settlement. This is their chance to ensure the property is in the same condition as when it was sold.
Make sure:
• All agreed inclusions such as appliances or fittings are still in place
• Repairs outlined in the contract have been completed
• The home is clean, secure, and free from any new damage
Tip: Treat the final inspection like a handover. A clean, respectful presentation reflects well on the sale and helps avoid disputes.
4. PLAN YOUR EXIT WITH TIME TO SPARE
Moving out takes longer than most people expect. Start early to avoid the stress of a last-minute pack-up or rushed handover.
If you are buying and selling at the same time, your agent and conveyancer can help coordinate dates to ensure a smoother transition.
Tip: If you need extra time post-settlement, talk to your agent early. It may be possible to negotiate a short-term rent-back agreement.
SETTLEMENT DAY AND BEYOND
Once settlement is complete, the keys are handed over and the property officially changes ownership. Your agent will finalise the transfer and assist with any final documents or handovers.
From there, it is time to move on, whether that means settling
into your new home, banking the proceeds, or looking ahead to your next chapter.
Selling your home is a major milestone, and understanding what comes next ensures the experience ends on a high note.
A HOME WITH HEART: EMERALD WAY CHARITY HOME SELLS FOR $975,000
BY MILLIE LOOKER, ADELADY
Every now and then, South Australia delivers a moment that reminds us just how generous, passionate and beautifully connected our community really is. And the Emerald Way Charity Home? It’s exactly that.
On the morning of Friday 21 November 2025, The Amelie – a stunning double-storey Emerald Way Charity Home in Mount Barker – officially sold at auction for an incredible $975,000, with every cent of the net proceeds supporting Variety SA – The Children’s Charity. That’s life-changing help for kids who are sick, experiencing disadvantage, or living with disability… all made possible through a project built on love.
This is far more than just another house sale. It’s a story of unimaginable grief turned into hope, and it all started with Joe Belperio, Owner and Director of Emerald Way Mount Barker. After losing his daughter, Amelie, at just three years old, Joe donated the land in her honour – an act that sparked an outpouring of generosity from fellow South Australians.
More than 30 South Australian businesses rallied behind the
cause, d onating their time, skills and resources to bring this beautiful family home to life. The biggest contribution came from the phenomenal Urban Edge SA, who fully funded and built the entire home as part of their 30-year anniversary.
“The Amelie was designed to nurture family life – a home filled with warmth, beauty and purpose,” says Ameen Farah, Managing Director of Urban Edge SA. “Seeing it come to life with the help of so many generous people has been truly special.”
With Century 21 SA coordinating the campaign, beloved auctioneer Tom Panos taking the mic (yep, the same one from The Block!!), and a live broadcast on 5AA, the atmosphere was electric. Locals packed the street, bidders came ready, and supporters tuned in from every corner of the state.
A no -reserve auction meant anything could happen… and South Australians delivered. The hammer dropped at $975,000 – a figure that will have an enormous impact on children in SA.
“This home symbolises hope and what can be achieved when a community comes together with purpose,” says CEO Mark McGill. “The funds raised will have a profound impact on families in need – from essential equipment to vital support services. This generosity truly changes lives.”
The Emerald Way Charity Home is more than timber, tiles and paint. It’s proof that when South Australians unite, extraordinary things happen.
For the full list of incredible SA businesses and supporters behind the project, visit the Emerald Way Charity Home website.
And to rewind all the way back to the beginning, check out more of the origin story here
CHRISTMAS OF THE CENTURY
From big plans to small steps, we’re here to make your property journey happen.
CENTURY 21 EXPANDS IN TASMANIA WITH LAUNCH OF CENTURY 21 STELLAR GROUP IN HOBART
Century 21 Australia has further strengthened its national network with the opening of Century 21 Stellar Group in Hobart, which marks an expansion of its footprint in Tasmania.
Located at 31 Melville Street, Hobart, the new office will service the Greater Hobart region. The franchise is led by Managing Director Alison Rogers, who brings eight years of experience in real estate, and Licensee/Managing Agent Hannah Katz, with twelve years of industry expertise.
Alison Rogers achievements include being a finalist in the REB Women in Real Estate Awards in 2019, 2020 and 2021, receiving the Women's Network Australia Impact Award in 2024, and being named a Paul Harriss Fellow by Rotary International in 2023.
Over her career, she has built a strong reputation for professionalism, integrity, and a people-first approach.
On joining Century 21, Alison Rogers added: “Being part of the world's largest residential real estate brand – one that values local knowledge and relationships while providing outstanding technology, systems, and training – was an
easy decision. Century 21 has been incredibly supportive and inclusive, and we've been impressed by the strength of leadership in the corporate team.�
Joining Alison is Hannah Katz, an accomplished agent who began her career in the Huon Valley before expanding into broader property markets. Hannah's deep local knowledge and client commitment make her an integral part of the new Century 21 Stellar Group leadership team.
Reflecting on the transition, Alison said the experience has been energising so far.
“The International Leadership Academy was a brilliant week of invaluable training in planning, strategy, and tools. The Century 21 Australasia Convention was perfect timing before our office opening – it showcased innovation, international opportunities, and a powerful sense of connection within the network.�
The Chairman and Owner of Century 21 Australasia, Charles Tarbey, said that it was perfect timing to expand the brand's footprint in Tasmania.
“The Tasmanian property market has been very active in recent years and it currently going through a lot of changes.
“These changes coupled with the iconic nature of the location means there will be ongoing demand for experienced, reliable and expert agents. This is something that the team at Century 21 Stellar Group has proven to be and I expect that their success will only grow over time and now as part of the world's largest residential sales network,� said Charles Tarbey.
In search of a real estate team in the Greater Hobart region? Contact Century 21 Stellar Group via 03 6231 9333, alison.rogers@century21.com.au or visit C21.com.au/hobart
D ESIGNING A HOME THAT’S QUIET ON THE INSIDE (EVEN WHEN LIFE ISN’T)
Busy household? Here’s how to design a home that feels peaceful and calm, even when life outside is anything but.
PEACE IS THE NEW LUXURY
In a world full of noise, with deadlines, school runs, group chats and city traffic, more people are craving homes that offer something different. Not more stuff. Not more space. Just a sense of calm.
Designing for quiet does not always mean soundproofing. It is about reducing overwhelm, creating breathing room and finding moments of stillness in your own home.
Here’s how to bring more peace into your space, no matter what life looks like on the outside.
CREATE VISUAL CALM
When your eyes are bombarded with clutter or contrast, your brain stays alert. Calm starts with what you see. Clean lines, soft colour palettes and uncluttered surfaces make a difference.
Tip: Try the one clear zone method. Choose one bench, tabletop or room to keep visually clear every day. It is a simple way to sign al calm.
DESIGN FOR FLOW, NOT JUST FUNCTION
Furniture placement can influence how stressed or relaxed you feel. If you are dodging corners, navigating tight paths or bumping into bags near the front door, it adds low-level tension.
Tip: Stand at your front door and walk through your home slowly. Notice where the flow stops or feels busy and rearrange what you can to open it up.
ADD SOFTENERS
Hard surfaces bounce noise. Soft elements like curtains, rugs and upholstered furniture help absorb sound and create emotional warmth in a space.
Tip: Add a large textured rug to your living area or bedroom. It softens both acoustics and atmosphere instantly.
CREATE MICRO-RETREATS
You do not need a whole room to escape. A reading corner, a cushioned bench or a chair by a window can become your place to reset.
Tip: Identify one quiet spot and claim it. Add a lamp, a favourite chair or a plant, and make it your go-to for a few moments of stillness each day.
USE LIGHT TO SET THE TONE
Natural light feels expansive. Warm lighting feels restful. Mixing both depending on the time of day helps your body and mind stay balanced.
Tip: Use warm globe lighting in bedrooms and living rooms after sunset. Use cooler lighting in task areas like the kitchen or home office.
PEACE LOOKS DIFFERENT FOR EVERYONE
You do not need a perfectly styled home to feel calm. Just a few thoughtful choices can help you breathe easier. Whether you soften one room, improve flow or create a quiet retreat, designing for peace is less about looks and more about how the space supports you.
When the outside world is loud, let home be the place you exhale.
Image: Clay Banks on Unsplash