Welcome to another episode of the Expat Mortgage Podcast, where we discuss the latest issues of securing and maintaining an Australian mortgage whilst you are an Australian expat. In this episode, Jeremy Harper is joined by Steve Cashman from La Trobe Financial to unpack lending solutions for Australian expats, international buyers, and business owners overseas. The discussion covers expat and foreign national lending, serviceability flexibility, self-employed income assessment, construction and development finance including duplex builds and renovations, owner-builder solutions, and commercial lending options. They also explore how La Trobe Financial supports expats with non-traditional income, development-focused lending, and solution-based strategies for borrowers who may not fit traditional bank policies.

Book a session with Jeremy Harper to discuss your expat mortgage needs: bit.ly/4pQvQzt

Enjoying the podcast? Why not leave us some feedback here: bit.ly/3UQ8BrI

The Expat Mortgage Podcast is all about helping Australian expats secure and maintain an Australian mortgage whilst they're living and working overseas.

This podcast is brought to you by Atlas Mortgages which is part of the Atlas Wealth Group who is the leading provider of Australian expat financial services.

Atlas Mortgages works with Australian expats in over 50 countries and we make it our job to speak to 45 Australian Mortgage Lenders and review over 3000 Australian Mortgage products to ensure that not only can you get that mortgage as a Australian expat but also provide you with a loan that is right for you and your circumstances.

Welcome to Season 6, Episode 12 of the Expat Mortgage Podcast, where we discuss the latest issues of securing and maintaining an Australian mortgage whilst you are an Australian expat. In this episode, we break down the November RBA meeting, why rates were held despite market expectations, the latest inflation and GDP data, and the early impact of the new 5% deposit scheme on bank turnaround times and rapidly rising property prices. We also unpack Macquarie’s decision to halt all lending to trusts and companies, what this means for expat investors, and how other lenders are responding in the current market.

Book a session with Jeremy Harper to discuss your expat mortgage needs: bit.ly/4pQvQzt

Enjoying the podcast? Why not leave us some feedback here: bit.ly/3UQ8BrI

The Expat Mortgage Podcast is all about helping Australian expats secure and maintain an Australian mortgage whilst they're living and working overseas.

This podcast is brought to you by Atlas Mortgages which is part of the Atlas Wealth Group who is the leading provider of Australian expat financial services.

Atlas Mortgages works with Australian expats in over 50 countries and we make it our job to speak to 45 Australian Mortgage Lenders and review over 3000 Australian Mortgage products to ensure that not only can you get that mortgage as a Australian expat but also provide you with a loan that is right for you and your circumstances.

Welcome to Season 6, Episode 11 of the Expat Mortgage Podcast, where we discuss the latest issues of securing and maintaining an Australian mortgage whilst you are an Australian expat. In this episode, we unpack the RBA’s recent decision and what the data means for rate expectations, the immediate market impact of the new 5% first-home deposit scheme, lender service delays, and how recent policy shifts (including major banks changing trust lending) are affecting borrowing options and equity strategies for investors and expats.

Book a session with Jeremy Harper to discuss your expat mortgage needs: bit.ly/4pQvQzt

Enjoying the podcast? Why not leave us some feedback here: bit.ly/3UQ8BrI

The Expat Mortgage Podcast is all about helping Australian expats secure and maintain an Australian mortgage whilst they're living and working overseas.

This podcast is brought to you by Atlas Mortgages which is part of the Atlas Wealth Group who is the leading provider of Australian expat financial services.

Atlas Mortgages works with Australian expats in over 50 countries and we make it our job to speak to 45 Australian Mortgage Lenders and review over 3000 Australian Mortgage products to ensure that not only can you get that mortgage as a Australian expat but also provide you with a loan that is right for you and your circumstances.

Welcome to Season 6, Episode 10 of the Expat Mortgage Podcast, where we discuss the latest issues of securing and maintaining an Australian mortgage whilst you are an Australian expat.

In this episode, we answer your most pressing expat property and tax questions — including how long you need to move back into a property to reset the six-year rule, what’s required to re-establish Australian tax residency, and the implications for citizens purchasing property after years abroad.

We also discuss how lenders assess overseas income differently across banks, and why understanding credit policies can make a major difference to your borrowing capacity as an expat.

Book a session with Jeremy Harper to discuss your expat mortgage needs: bit.ly/4pQvQzt

Enjoying the podcast? Why not leave us some feedback here: bit.ly/3UQ8BrI

The Expat Mortgage Podcast is all about helping Australian expats secure and maintain an Australian mortgage whilst they're living and working overseas.

This podcast is brought to you by Atlas Mortgages, part of the Atlas Wealth Group — the leading provider of Australian expat financial services.

Atlas Mortgages works with Australian expats in over 50 countries and we make it our job to speak to 45 Australian mortgage lenders and review over 3,000 mortgage products to ensure that not only can you get that mortgage as an Australian expat but also that you secure the loan that’s right for you and your circumstances.

Welcome to Season 6, Episode 9 of the Expat Mortgage Podcast, where we discuss the latest issues of securing and maintaining an Australian mortgage whilst you are an Australian expat. In this episode, we speak with Adi Parekh from Folk Buyers Agency in Perth to explore what is happening on the ground across the Perth property market — from post-COVID growth, vacancy rates, rental yields, council approvals, investor strategies, and the impact of the First Home Loan Deposit Scheme changes on WA buyers and expats looking to re-enter the market.

Book a session with Jeremy Harper to discuss your expat mortgage needs: bit.ly/4pQvQzt

Enjoying the podcast? Why not leave us some feedback here: bit.ly/3UQ8BrI

The Expat Mortgage Podcast is all about helping Australian expats secure and maintain an Australian mortgage whilst they're living and working overseas.

This podcast is brought to you by Atlas Mortgages which is part of the Atlas Wealth Group who is the leading provider of Australian expat financial services.

Atlas Mortgages works with Australian expats in over 50 countries and we make it our job to speak to 45 Australian Mortgage Lenders and review over 3000 Australian Mortgage products to ensure that not only can you get that mortgage as a Australian expat but also provide you with a loan that is right for you and your circumstances.

Welcome to Season 6, Episode 8 of the Expat Mortgage Podcast, where we discuss the latest issues of securing and maintaining an Australian mortgage whilst you are an Australian expat. In this episode, we open the floor to listener questions and cover key topics including the main residence exemption, absentee land tax surcharge, spousal property ownership, and how Australian expats can access equity to purchase additional investment properties while living overseas.

Book a session with Jeremy Harper to discuss your expat mortgage needs: bit.ly/4pQvQzt

Enjoying the podcast? Why not leave us some feedback here: bit.ly/3UQ8BrI

The Expat Mortgage Podcast is all about helping Australian expats secure and maintain an Australian mortgage whilst they're living and working overseas.

This podcast is brought to you by Atlas Mortgages which is part of the Atlas Wealth Group who is the leading provider of Australian expat financial services.

Atlas Mortgages works with Australian expats in over 50 countries and we make it our job to speak to 45 Australian Mortgage Lenders and review over 3000 Australian Mortgage products to ensure that not only can you get that mortgage as a Australian expat but also provide you with a loan that is right for you and your circumstances.

Welcome to Season 6, Episode 7 of the Expat Mortgage Podcast, where we discuss the latest issues of securing and maintaining an Australian mortgage whilst you are an Australian expat.

In this episode, James Ridley and Jeremy Harper unpack the latest Totality (formerly CoreLogic) housing data, offering valuable insights into what’s really happening across Australia’s property markets. They explore the national dwelling growth figures, the true size of Australia’s $11.8 trillion residential market, and how it continues to dominate household wealth—well ahead of superannuation, listed stocks, and commercial real estate.

The duo also break down capital city performance, with Perth and Brisbane leading the charge, while Adelaide’s affordability metrics push it into second place among Australia’s most expensive cities relative to income. They also discuss the RBA’s upcoming Melbourne Cup Day decision, rising unemployment rates, and what these indicators could mean for potential rate cuts or holds heading into the new year.

Finally, James and Jeremy examine the ongoing housing crisis, falling dwelling approval rates, and how AI and government reform could play a vital role in tackling Australia’s growing supply bottleneck.

Book a session with Jeremy Harper to discuss your expat mortgage needs: bit.ly/4pQvQzt

Enjoying the podcast? Why not leave us some feedback here: bit.ly/3UQ8BrI

The Expat Mortgage Podcast is all about helping Australian expats secure and maintain an Australian mortgage whilst they're living and working overseas.

This podcast is brought to you by Atlas Mortgages, part of the Atlas Wealth Group, the leading provider of Australian expat financial services.

Atlas Mortgages works with Australian expats in over 50 countries and we make it our job to speak to 45 Australian mortgage lenders and review over 3,000 Australian mortgage products to ensure that not only can you get that mortgage as an Australian expat, but also that it’s the right loan for your needs and circumstances.

Welcome to Season 6, Episode 6 of the Expat Mortgage Podcast, where we discuss the latest issues of securing and maintaining an Australian mortgage whilst you are an Australian expat. In this episode, we’re joined by Brody McGahn of Helix Constructions (Mudgee, NSW) to unpack the reality of building and renovating in regional markets. We discuss why towns like Mudgee (and nearby Bathurst, Orange, Dubbo, Goulburn) are attracting first-home buyers and investors, typical land and build price points, and how high rental yields can stack up for expats compared to stretching for a metro apartment. We also cover renovations vs new builds (hidden defects, timeline blowouts, family disruption), CDC vs DA approvals and why councils can stall projects, funding pathways (construction loans vs out-of-pocket pre-DA costs), and practical build choices that add value without overcapitalising—think open-plan layouts, bigger alfresco areas, bifold openings, extra storage, ceiling fans, sensible garage depth—and what to skip (small sheds, pools) on investment stock. Finally, Brody shares how to choose the right builder (volume vs local), manage variations, and set expectations so your project lands on time and on budget.

Book a session with Jeremy Harper to discuss your expat mortgage needs: bit.ly/4pQvQzt

Enjoying the podcast? Why not leave us some feedback here: bit.ly/3UQ8BrI

The Expat Mortgage Podcast is all about helping Australian expats secure and maintain an Australian mortgage whilst they're living and working overseas.

This podcast is brought to you by Atlas Mortgages which is part of the Atlas Wealth Group who is the leading provider of Australian expat financial services.

Atlas Mortgages works with Australian expats in over 50 countries and we make it our job to speak to 45 Australian Mortgage Lenders and review over 3000 Australian Mortgage products to ensure that not only can you get that mortgage as an Australian expat but also provide you with a loan that is right for you and your circumstances.

Welcome to Season 6, Episode 5 of the Expat Mortgage Podcast, where we discuss the latest issues of securing and maintaining an Australian mortgage whilst you are an Australian expat. In this episode, we’re joined by Zach Bunston of Bunston Architects (Melbourne) to unpack how to plan and deliver renovations and extensions—especially on heritage homes—from abroad. We cover how to align brief vs budget, realistic $/m² ranges (Melbourne vs Sydney), the end-to-end process (DA/Planning → Building Permit/NCC → Occupancy), timelines, common pitfalls, and why a good architect can save you stress and money. Zach shares a live expat case study (client based in Saudi), practical ways to design for cost and speed (buildability, simple materials, shorter site time), opportunities in DA-approved listings, and the studio’s Keesen House project in St Kilda as a model for smart, family-friendly alterations & additions.

Book a session with Jeremy Harper to discuss your expat mortgage needs: bit.ly/4pQvQzt

Enjoying the podcast? Why not leave us some feedback here: bit.ly/3UQ8BrI

The Expat Mortgage Podcast is all about helping Australian expats secure and maintain an Australian mortgage whilst they're living and working overseas.

This podcast is brought to you by Atlas Mortgages which is part of the Atlas Wealth Group who is the leading provider of Australian expat financial services.

Atlas Mortgages works with Australian expats in over 50 countries and we make it our job to speak to 45 Australian Mortgage Lenders and review over 3000 Australian Mortgage products to ensure that not only can you get that mortgage as an Australian expat but also provide you with a loan that is right for you and your circumstances.

Welcome to Season 6, Episode 4 of the Expat Mortgage Podcast, where we discuss the latest issues of securing and maintaining an Australian mortgage whilst you are an Australian expat. In this episode, James Anderson and Jeremy Harper unpack the most common mistakes they see with clients—from fearing equity and delaying action, to prioritising paying off the home before investing, making tax-driven decisions that kill borrowing capacity, holding on to bad debt (credit cards and novated leases), and chasing cash flow at the expense of long-term capital growth. They also cover why pre-approval matters, how to model scenarios properly, and practical ways to structure your portfolio so you can build wealth now and retire with confidence.

Book a session with Jeremy Harper to discuss your expat mortgage needs: bit.ly/4pQvQzt

Enjoying the podcast? Why not leave us some feedback here: bit.ly/3UQ8BrI

The Expat Mortgage Podcast is all about helping Australian expats secure and maintain an Australian mortgage whilst they're living and working overseas.

This podcast is brought to you by Atlas Mortgages which is part of the Atlas Wealth Group who is the leading provider of Australian expat financial services.

Atlas Mortgages works with Australian expats in over 50 countries and we make it our job to speak to 45 Australian Mortgage Lenders and review over 3000 Australian Mortgage products to ensure that not only can you get that mortgage as an Australian expat but also provide you with a loan that is right for you and your circumstances.