Being from the 90s, my place also has nothing in the wall gaps but air. That's an R value of zero, where the recommendation is R2.5.
Separately to the NatHERS report, I have an estimate of about AU$2k to remedy the ceiling insulation, and another $2k to drill holes and blow insulation into the walls, too. There's some electrical future-proofing to do at the same time, because dumping insulation into the wall cavities has follow-on implications for house wiring.