Welcome to Season 7, 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, Jeremy Harper and James Ridley unpack the December quarter CPI data and what it signals for interest rates, borrowing capacity, and lending conditions moving into early 2026. They discuss why inflation remains above the RBA’s target range, the impact of rising electricity and housing costs, and how “sticky” inflation may force the RBA’s hand at the upcoming February meeting.

The conversation explores how higher rates could affect first home buyers, renters, and investors differently, and why parts of the economy continue to show strong discretionary spending despite cost-of-living pressures. The episode also covers how borrowing capacity is influenced by rate rises, living expense benchmarks, credit cards, and car loans, alongside refinancing strategies for borrowers under pressure. The discussion wraps with a Q&A focused on cash buffer expectations, risk management, and how expats can position themselves in a potentially tightening lending environment.

Relevant Links:

• The Expat's Handbook available for pre-order - atlaswealth.com/resources/the-exp…working-overseas/


• Upcoming Seminars & 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 – https://atlaswealth.com/news-media/australian-expat-podcasts/expat-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 3 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 and James Ridley unpack current lending trends, including updates on trust lending, a limited-time owner-occupier variable rate offer, and early signs of softer market momentum following expectations of higher interest rates. They also discuss rising construction input costs, seasonal property market behaviour, and what builders and investors should watch in the first half of the year. The episode explores upcoming APRA guidance around debt-to-income ratios, how this may affect investor and expat borrowers, and what recent shifts in rate expectations and CPI data could mean ahead of the February RBA meeting. The discussion wraps with a Q&A focused on how tightening bank policies and APRA settings may intersect for expats in 2026.

Relevant Links:

• The Expat's Handbook available for pre-order - atlaswealth.com/resources/the-exp…working-overseas/


• Upcoming Seminars & 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 – https://atlaswealth.com/news-media/australian-expat-podcasts/expat-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 2 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 and James Ridley unpack recent bank rate movements, including fixed-rate increases from major lenders, and what these changes signal about interest rate expectations for the year ahead. They also explore tightening trust lending policies across major and second-tier banks, the impact of online property commentary on lender behaviour, and why trust lending is becoming more niche. The episode then deep-dives into buying property from overseas, clarifying the foreign purchase ban, FIRB rules, state-based stamp duty and land tax surcharges, capital gains tax implications for non-residents, and the importance of structuring purchases correctly—particularly for expats buying with foreign spouses or planning future sales.

Relevant Links:

• The Expat's Handbook available for pre-order - atlaswealth.com/resources/the-exp…working-overseas/


• Upcoming Seminars & 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 – https://atlaswealth.com/news-media/australian-expat-podcasts/expat-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 1 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 kick off 2026 with a detailed property market outlook, covering expected growth trends, interest rate sentiment, inflation data, and how government incentives are shaping buyer behaviour. We also discuss first-home buyer demand, supply constraints, land-based investment strategies, and whether 2026 is the right time to buy or wait. The episode wraps with practical Q&A scenarios, including expat partnerships, stamp duty structuring, construction delays, and the growing role of the Bank of Mum and Dad.

Relevant Links:

• The Expat's Handbook available for pre-order - atlaswealth.com/resources/the-exp…working-overseas/


• Upcoming Seminars & 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 – https://atlaswealth.com/news-media/australian-expat-podcasts/expat-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 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.