Expat Mortgage Podcast

Welcome to Season 7, Episode 36 of #AtlasExpatMortgages podcast, RBA Decision and Market Data. Atlas Wealth Group hosts, James Ridley and Jeremy Harper break down a big week of data: the RBA lifted the cash rate to 4.6%, its fourth hike this year, with Governor Michelle Bullock striking a hawkish tone on further moves ahead. August CPI came in at 4%, driven by surging fuel and electricity costs amid Middle East-related oil pressures.

Property values fell for a sixth straight month nationally, with transaction volumes down sharply and days on market stretching out. But with rental yields at a six-year high and vacancy rates tight, James and Jeremy argue this is exactly when savvy investors should be striking. They also flag a silver lining for expats: a weaker Aussie dollar could help offset some of the borrowing capacity lost to rising rates.

Relevant Links:

• Upcoming events and webinars - atlaswealth.com/events/

• Facebook Group – Join the Australian Expat Financial Forum: facebook.com/groups/AustralianExpatFinancialForum

• Expat Mortgage Podcast – atlaswealth.com/news-media/austra…-mortgage-podcast

• Weekly Recap Podcast – atlaswealth.com/news-media/atlas-…kly-recap-podcast

If you enjoy the content, let us know by giving the episode a thumbs up and subscribing. Feel free to share your feedback or questions in the comments below.

About Atlas Wealth Group:

Atlas Wealth Group was established to meet the growing demand from Australian expats for professional financial guidance. We specialise in providing tax, financial planning, wealth management, and mortgage services to Australian expats around the world. Whether you’re based in Asia, the Middle East, Europe, or the Americas, our team has the expertise to help you manage your global financial journey.

To learn more, visit www.atlaswealth.com

Connect with us:

Facebook: www.facebook.com/atlaswealthmgmt

LinkedIn: www.linkedin.com/company/atlas-wealth-management

X: www.x.com/atlaswealthmgmt

Instagram: www.instagram.com/atlaswealthgroup

Youtube: / atlaswealthmgmt

Welcome to Season 7, Episode 35 of #AtlasExpatMortgages podcast, Deals of the Month.

Atlas Wealth Group hosts, James Ridley and Jeremy Harper down four real client deals the team recently settled, each with a different lending hurdle and a successful outcome.

- San Francisco: A young tech professional earning USD income secured a Queensland investment property by structuring the loan around base income only, leaving RSUs and bonuses for a future application once they're more established.

- Hong Kong: A government employee refinancing to release equity had to work around a hefty credit card limit and contract employment, landing a lender willing to assess his income net of local tax.

- Singapore: A couple with a strong portfolio hit the classic wall of self-employed foreign income, solved by building a detailed credit case that turned a straight "no" into an exception with a major bank.

- Macau: A long-tenured gaming executive used a construction loan to subdivide a Melbourne block into two titled, cash-flowing properties, setting him up for a move into commercial property.

Four very different clients, four very different problems, but every deal came down to the same fundamentals: understanding how foreign income gets assessed, keeping credit card limits in check, and doing the groundwork before applying. It's proof that with the right strategy and a willingness to shop around, even the most challenging applications can get across the line.

Relevant Links:

• Order your copy of the The Expat's Handbook - atlaswealth.com/resources/the-exp…working-overseas/

• Upcoming events & webinars: atlaswealth.com/events/

• Facebook Group – Join the Australian Expat Financial Forum: facebook.com/groups/AustralianExpatFinancialForum

• Expat Chat Podcast – atlaswealth.com/news-media/austra…pat-chat-podcast/

• Weekly Recap Podcast – atlaswealth.com/news-media/atlas-…kly-recap-podcast

If you enjoy the content, let us know by giving the episode a thumbs up and subscribing. Feel free to share your feedback or questions in the comments below.

About Atlas Wealth Group:

Atlas Wealth Group was established to meet the growing demand from Australian expats for professional financial guidance. We specialise in providing tax, financial planning, wealth management, and mortgage services to Australian expats around the world. Whether you’re based in Asia, the Middle East, Europe, or the Americas, our team has the expertise to help you manage your global financial journey.

To learn more, visit www.atlaswealth.com

Connect with us:

Facebook: www.facebook.com/atlaswealthmgmt

LinkedIn: www.linkedin.com/company/atlas-wealth-management

X: www.x.com/atlaswealthmgmt

Instagram: www.instagram.com/atlaswealthgroup

Youtube: www.youtube.com/atlaswealthmgmt

Welcome to Season 7, Episode 34 of #AtlasExpatMortgages podcast, September Q&A Update (Part 2).

In this second half of the episode, James Ridley and Jeremy Harper turn to your questions. They explain how Australian lenders assess and convert foreign income, including the difference in treatment across currencies, why "shading" applies, and how it can affect your borrowing capacity.

They also unpack what it means to borrow through a company structure as an expat, including the tax and lending trade-offs, before weighing in on individual versus company ownership and how each affects borrowing power. The episode wraps with a straightforward answer to a common question: does Atlas charge a broker fee?

Relevant Links:

• Order your copy of the The Expat's Handbook - atlaswealth.com/resources/the-exp…working-overseas/

• Upcoming events & webinars: atlaswealth.com/events/

• Facebook Group – Join the Australian Expat Financial Forum: facebook.com/groups/AustralianExpatFinancialForum

• Expat Chat Podcast – atlaswealth.com/news-media/austra…pat-chat-podcast/

• Weekly Recap Podcast – atlaswealth.com/news-media/atlas-…kly-recap-podcast

If you enjoy the content, let us know by giving the episode a thumbs up and subscribing. Feel free to share your feedback or questions in the comments below.

About Atlas Wealth Group:

Atlas Wealth Group was established to meet the growing demand from Australian expats for professional financial guidance. We specialise in providing tax, financial planning, wealth management, and mortgage services to Australian expats around the world. Whether you’re based in Asia, the Middle East, Europe, or the Americas, our team has the expertise to help you manage your global financial journey.

To learn more, visit www.atlaswealth.com

Connect with us:

Facebook: www.facebook.com/atlaswealthmgmt

LinkedIn: www.linkedin.com/company/atlas-wealth-management

X: www.x.com/atlaswealthmgmt

Instagram: www.instagram.com/atlaswealthgroup

Youtube: www.youtube.com/atlaswealthmgmt

Welcome to Season 7, Episode 33 of #AtlasExpatMortgages podcast, September Market Update continues (Part 1).

Atlas Wealth Group hosts, James Ridley and Jeremy Harper kick off with the Fed's overnight rate hike and how quickly it flowed through to Australia, with NAB and ANZ already lifting fixed rates across the board within hours. They discuss the outlook for the RBA's upcoming decision on September 29, current market pricing on the likelihood of a hike, and why they're currently leaning toward variable over fixed for most borrowers.

The conversation moves to the property market, where national home values have now fallen for a fifth consecutive month. Rather than reading this as a red flag, James makes the case for why hesitant investors could be missing an opportunity, and shares which capital cities are holding up better than others. They round out the update with a look at other factors shaping the economic backdrop, including oil prices, unemployment, and upcoming tax reforms working their way through Parliament.

Part 2, our Listener Q&A, drops next week.

Relevant Links:

• Order your copy of the The Expat's Handbook - atlaswealth.com/resources/the-exp…working-overseas/

• Upcoming events & webinars: atlaswealth.com/events/

• Facebook Group – Join the Australian Expat Financial Forum: facebook.com/groups/AustralianExpatFinancialForum

• Expat Chat Podcast – atlaswealth.com/news-media/austra…pat-chat-podcast/

• Weekly Recap Podcast – atlaswealth.com/news-media/atlas-…kly-recap-podcast

If you enjoy the content, let us know by giving the episode a thumbs up and subscribing. Feel free to share your feedback or questions in the comments below.

About Atlas Wealth Group:

Atlas Wealth Group was established to meet the growing demand from Australian expats for professional financial guidance. We specialise in providing tax, financial planning, wealth management, and mortgage services to Australian expats around the world. Whether you’re based in Asia, the Middle East, Europe, or the Americas, our team has the expertise to help you manage your global financial journey.

To learn more, visit www.atlaswealth.com

Connect with us:

Facebook: www.facebook.com/atlaswealthmgmt

LinkedIn: www.linkedin.com/company/atlas-wealth-management

X: www.x.com/atlaswealthmgmt

Instagram: www.instagram.com/atlaswealthgroup

Youtube: www.youtube.com/atlaswealthmgmt

James Ridley is back on #AtlasExpatMortgages with Jeremy Harper for episode 32, 'September Market Update'. They unpack HSBC's $36 billion exit from Australian retail banking and what it means for the thousands of expats who bank and borrow with them. They break down what's changing, why now might be the right time to review your loan, and what to expect once Pepper Money takes over servicing next year.

The conversation moves into the numbers shaping the spring selling season, surprising GDP growth, sticky inflation, and where NAB, Westpac, ANZ and CBA sit on the next RBA rate call. James and Jeremy also dig into the property market's regional divide, from Perth's runaway growth to Sydney and Melbourne's pullback, plus a live listener question on whether now's the time to buy an established home in Sydney from overseas.

It's a fast-moving, practical update for any Australian expat trying to make sense of lending, rates, and property heading into the final months of the year.

Relevant Links:

• Order your copy of the The Expat's Handbook - atlaswealth.com/resources/the-exp…working-overseas/

• Upcoming events & webinars: atlaswealth.com/events/

• Facebook Group – Join the Australian Expat Financial Forum: facebook.com/groups/AustralianExpatFinancialForum

• Expat Chat Podcast – atlaswealth.com/news-media/austra…pat-chat-podcast/

• Weekly Recap Podcast – atlaswealth.com/news-media/atlas-…kly-recap-podcast

If you enjoy the content, let us know by giving the episode a thumbs up and subscribing. Feel free to share your feedback or questions in the comments below.

About Atlas Wealth Group:

Atlas Wealth Group was established to meet the growing demand from Australian expats for professional financial guidance. We specialise in providing tax, financial planning, wealth management, and mortgage services to Australian expats around the world. Whether you’re based in Asia, the Middle East, Europe, or the Americas, our team has the expertise to help you manage your global financial journey.

To learn more, visit www.atlaswealth.com

Connect with us:

Facebook: www.facebook.com/atlaswealthmgmt

LinkedIn: www.linkedin.com/company/atlas-wealth-management

X: www.x.com/atlaswealthmgmt

Instagram: www.instagram.com/atlaswealthgroup

Youtube: www.youtube.com/atlaswealthmgmt

In this episode of Atlas Mortgage, Jeremy Harper is joined by buyer's agent Munro Donen from Propertybuyer East to unpack what's really happening in Sydney's eastern suburbs and inner west post-budget. Munro shares why median prices don't tell the whole story, where genuine opportunities are emerging in a softer market, and how expats buying from overseas can avoid the costly mistakes that come with outdated knowledge of the city and distance from the action.

Whether you're eyeing off Vaucluse, Erskineville, or somewhere in between, this episode is packed with on-the-ground insight you won't want to miss.

Relevant Links:

• Munro Donen, Propertybuyer East - https://www.propertybuyer.com.au/about/our-team/munro-donen

• Order your copy of the The Expat's Handbook - atlaswealth.com/resources/the-exp…working-overseas/

• Upcoming events & webinars: atlaswealth.com/events/

• Facebook Group – Join the Australian Expat Financial Forum: facebook.com/groups/AustralianExpatFinancialForum

• Expat Chat Podcast – atlaswealth.com/news-media/austra…pat-chat-podcast/

• Weekly Recap Podcast – atlaswealth.com/news-media/atlas-…kly-recap-podcast

If you enjoy the content, let us know by giving the episode a thumbs up and subscribing. Feel free to share your feedback or questions in the comments below.

About Atlas Wealth Group:

Atlas Wealth Group was established to meet the growing demand from Australian expats for professional financial guidance. We specialise in providing tax, financial planning, wealth management, and mortgage services to Australian expats around the world. Whether you’re based in Asia, the Middle East, Europe, or the Americas, our team has the expertise to help you manage your global financial journey.

To learn more, visit www.atlaswealth.com

Connect with us:

Facebook: www.facebook.com/atlaswealthmgmt

LinkedIn: www.linkedin.com/company/atlas-wealth-management

X: www.x.com/atlaswealthmgmt

Instagram: www.instagram.com/atlaswealthgroup

Youtube: www.youtube.com/atlaswealthmgmt

In this episode of Expat Mortgage: Solution-Based Lending with MidKey, Atlas Mortgages Managing Director, Jeremy Harper (Mortgages) is joined by special guest Richard Young, CEO of MidKey. They unpack a lending solution built for Australians who are "home equity rich but cash flow constrained", including many expats caught out by foreign income shading.

Richard breaks down how MidKey's home equity release loan works, with no monthly repayments, no fixed term, and a structure designed to keep the borrower firmly in control. They then work through three real client scenarios covering renovations, expat investment strategy, and helping the next generation into the property market, showing how MidKey can fit where traditional lending falls short.

Tune in to hear how it all works, and whether it could be the right solution for you or your family.

Relevant Links:

• Order your copy of the The Expat's Handbook - atlaswealth.com/resources/the-exp…working-overseas/

• Upcoming events & webinars: atlaswealth.com/events/

• Facebook Group – Join the Australian Expat Financial Forum: facebook.com/groups/AustralianExpatFinancialForum

• Expat Chat Podcast – atlaswealth.com/news-media/austra…pat-chat-podcast/

• Weekly Recap Podcast – atlaswealth.com/news-media/atlas-…kly-recap-podcast

If you enjoy the content, let us know by giving the episode a thumbs up and subscribing. Feel free to share your feedback or questions in the comments below.

About Atlas Wealth Group:

Atlas Wealth Group was established to meet the growing demand from Australian expats for professional financial guidance. We specialise in providing tax, financial planning, wealth management, and mortgage services to Australian expats around the world. Whether you’re based in Asia, the Middle East, Europe, or the Americas, our team has the expertise to help you manage your global financial journey.

To learn more, visit www.atlaswealth.com

Connect with us:

Facebook: www.facebook.com/atlaswealthmgmt

LinkedIn: www.linkedin.com/company/atlas-wealth-management

X: www.x.com/atlaswealthmgmt

Instagram: www.instagram.com/atlaswealthgroup

Youtube: www.youtube.com/atlaswealthmgmt

In this episode of Expat Mortgage: Market Update, Atlas Wealth Group Managing Directors, James Ridley (APAC) and Jeremy Harper (Mortgages) dive into two real client case studies, from developing inherited land using development finance, to navigating commercial property lending as an expat. Plus, they answer listener questions on foreign income, LVRs, stamp duty traps for non-resident spouses, and how bonuses and RSUs are assessed, along with practical tips to boost your borrowing power.

Whether you're planning your next investment, exploring commercial property, or just trying to understand how your overseas income stacks up in the eyes of Australian lenders, this episode is packed with practical, real-world insight you won't want to miss.

Relevant Links:


• Order your copy of the The Expat's Handbook - atlaswealth.com/resources/the-exp…working-overseas/


• Upcoming events & webinars: atlaswealth.com/events/


• Facebook Group – Join the Australian Expat Financial Forum: facebook.com/groups/AustralianExpatFinancialForum


• Ask Atlas – Submit your questions for the podcast: atlaswealth.com/news-media/austra…ian-expat-podcast


• Expat Chat Podcast – atlaswealth.com/news-media/austra…pat-chat-podcast/


• Weekly Recap Podcast – atlaswealth.com/news-media/atlas-…kly-recap-podcast

If you enjoy the content, let us know by giving the episode a thumbs up and subscribing. Feel free to share your feedback or questions in the comments below.

About Atlas Wealth Group:


Atlas Wealth Group was established to meet the growing demand from Australian expats for professional financial guidance. We specialise in providing tax, financial planning, wealth management, and mortgage services to Australian expats around the world. Whether you’re based in Asia, the Middle East, Europe, or the Americas, our team has the expertise to help you manage your global financial journey.

To learn more, visit www.atlaswealth.com

Connect with us:


Facebook: www.facebook.com/atlaswealthmgmt


LinkedIn: www.linkedin.com/company/atlas-wealth-management


X: www.x.com/atlaswealthmgmt


Instagram: www.instagram.com/atlaswealthgroup


Youtube: www.youtube.com/atlaswealthmgmt

Jeremy Harper and James Ridley preview the RBA's upcoming rate decision ahead of the June quarter CPI print, plus the latest data on rents and property market conditions. They unpack a client case study on using equity release to fund property purchases or aged care without traditional income requirements, then answer listener questions on mortgage pre-approvals, using investment income for serviceability, and foreign buyer surcharges across different states.

Relevant Links:

• Order your copy of the The Expat's Handbook - atlaswealth.com/resources/the-exp…working-overseas/

• Upcoming events & webinars: atlaswealth.com/events/

• Facebook Group – Join the Australian Expat Financial Forum: facebook.com/groups/AustralianExpatFinancialForum

• Expat Chat Podcast – atlaswealth.com/news-media/austra…pat-chat-podcast/

• Weekly Recap Podcast – atlaswealth.com/news-media/atlas-…kly-recap-podcast

If you enjoy the content, let us know by giving the episode a thumbs up and subscribing. Feel free to share your feedback or questions in the comments below.

About Atlas Wealth Group:

Atlas Wealth Group was established to meet the growing demand from Australian expats for professional financial guidance. We specialise in providing tax, financial planning, wealth management, and mortgage services to Australian expats around the world. Whether you’re based in Asia, the Middle East, Europe, or the Americas, our team has the expertise to help you manage your global financial journey.

To learn more, visit www.atlaswealth.com

Connect with us:

Facebook: www.facebook.com/atlaswealthmgmt

LinkedIn: www.linkedin.com/company/atlas-wealth-management

X: www.x.com/atlaswealthmgmt

Instagram: www.instagram.com/atlaswealthgroup

Youtube: www.youtube.com/atlaswealthmgmt

In this episode, Jeremy Harper and James Ridley kick off the new financial year with a wrap-up of the property market, the RBA's rate outlook, and recent tax changes affecting Australian expats. Furthermore, they dive into the CGT and negative gearing reforms, exploring what these changes mean for expat investors. In addition, they discuss why structuring (especially through companies) is becoming increasingly important for those investing from overseas. Finally, the episode wraps up with a Q&A segment covering property purchases as an expat, including structuring options and lender considerations.

Relevant Links:

• Order your copy of the The Expat's Handbook - atlaswealth.com/resources/the-exp…working-overseas/

• Upcoming events & webinars: atlaswealth.com/events/

• Facebook Group – Join the Australian Expat Financial Forum: facebook.com/groups/AustralianExpatFinancialForum

• Ask Atlas – Submit your questions for the podcast: atlaswealth.com/news-media/austra…ian-expat-podcast

• Expat Chat Podcast – atlaswealth.com/news-media/austra…pat-chat-podcast/

• Weekly Recap Podcast – atlaswealth.com/news-media/atlas-…kly-recap-podcast

If you enjoy the content, let us know by giving the episode a thumbs up and subscribing. Feel free to share your feedback or questions in the comments below.

About Atlas Wealth Group:

Atlas Wealth Group was established to meet the growing demand from Australian expats for professional financial guidance. We specialise in providing tax, financial planning, wealth management, and mortgage services to Australian expats around the world. Whether you’re based in Asia, the Middle East, Europe, or the Americas, our team has the expertise to help you manage your global financial journey.

To learn more, visit www.atlaswealth.com

Connect with us:

Facebook: www.facebook.com/atlaswealthmgmt

LinkedIn: www.linkedin.com/company/atlas-wealth-management

X: www.x.com/atlaswealthmgmt

Instagram: www.instagram.com/atlaswealthgroup

Youtube: www.youtube.com/atlaswealthmgmt