In Season 7, Episode 10 of the Expat Mortgage Podcast, hosts James Ridley and Jeremy Harper unpack key considerations for Australian expats navigating property and finance ahead of the March RBA announcement. They discuss rising inflation driven by global energy markets, potential interest rate increases, and how proposed capital gains tax (CGT) reforms could affect investment strategies. The hosts highlight practical guidance for expats, including refinancing under debt-to-income rules, managing investment properties from abroad, and avoiding rushed decisions in response to proposed legislation. Listeners gain insights on balancing tax planning, property strategy, and long-term financial outcomes while living overseas.

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 – 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 Season 7, Episode 9 of the Expat Mortgages Podcast, Jeremy Harper and James Ridley discuss the RBA’s February 2026 decision to raise the cash rate to 3.85% and what it means for Australian expats with mortgages or property plans in Australia.

They explain how lenders responded with higher variable and fixed rates, the impact on borrowing capacity, and the key economic forces shaping the market, including inflation pressures, strong regional property growth, rising rents, and slowing building approvals.

The episode also answers a listener question from an Australian expat working for Apple in New York about whether RSU income can be used for lending purposes when applying for a mortgage in Australia while living overseas.

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 – 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 Season 7, Episode 8 of the Expat Mortgages Podcast, Jeremy Harper is joined by Zac Bunston, Founder of Bunston Studio, to discuss what Australian expats need to know when building or renovating property in Australia while living overseas. The conversation explores the realities of managing construction projects remotely and why success often depends on locking in the design brief early, understanding industry risks, and putting the right contracts, approvals, and safeguards in place from the start.

Jeremy and Zac dive into the current construction landscape for 2025–2026, including elevated building costs, labour shortages, builder insolvencies, and longer construction timelines. They also discuss how expats can protect themselves through proper contract structures, realistic budgeting, and clear documentation that satisfies lenders and valuers during construction finance approvals.

The episode also highlights common mistakes overseas clients make when designing projects remotely, the warning signs to watch for when selecting builders, and how changes to compliance standards such as NCC 2022 energy efficiency requirements may affect project timelines and costs. Zac shares practical advice on how expats can stay in control of their build from abroad and avoid costly redesigns, delays, and late-stage surprises.

Relevant Links:


• Bunston Studio – https://bunston.studio/

• 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 – 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 Season 7, Episode 8 of the Expat Mortgages Podcast, Jeremy Harper is joined by Zac Bunston, Founder of Bunston Studio, to discuss what Australian expats need to know when building or renovating property in Australia while living overseas. The conversation explores the realities of managing construction projects remotely and why success often depends on locking in the design brief early, understanding industry risks, and putting the right contracts, approvals, and safeguards in place from the start.

Jeremy and Zac dive into the current construction landscape for 2025–2026, including elevated building costs, labour shortages, builder insolvencies, and longer construction timelines. They also discuss how expats can protect themselves through proper contract structures, realistic budgeting, and clear documentation that satisfies lenders and valuers during construction finance approvals.

The episode also highlights common mistakes overseas clients make when designing projects remotely, the warning signs to watch for when selecting builders, and how changes to compliance standards such as NCC 2022 energy efficiency requirements may affect project timelines and costs. Zac shares practical advice on how expats can stay in control of their build from abroad and avoid costly redesigns, delays, and late-stage surprises.

Relevant Links:

• Bunston Studio – https://bunston.studio

• 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 – 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 Season 7, Episode 7 of the Expat Mortgages Podcast, Jeremy Harper and James Ridley provide an update on the Australian mortgage and property market for expats. They discuss how rising interest rates and the 3% APRA buffer are affecting borrowers, particularly first-home buyers, and explore potential government policy changes that may influence lending and property strategies in 2026.

The episode also covers practical expat considerations, including unlocking equity in Australian properties while living overseas and how banks and accountants approach mixed-purpose loans. Jeremy and James offer insight into market trends, capital growth forecasts, and the broader impact of tax and policy changes on investment decisions, helping expats navigate the evolving property landscape with confidence.

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 – 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 Season 7, Episode 6 of the Expat Mortgages Podcast, Managing Director - Mortgages, Jeremy Harper is joined by James Anderson, Founder and Director of Bluestone Property to unpack Melbourne’s latest market movements. Frankston has been the clear standout, delivering 15–17% annual growth as buyers recognised its relative value within the south-eastern corridor. Improved sentiment, strong investor demand and increased activity from first-home buyers — particularly ahead of changes to the First Home Guarantee scheme — helped drive momentum, with properties that were once in the low-$700,000s now firmly in the $800,000 range.

The episode also explores how the recent 25-basis-point rate rise from the Reserve Bank of Australia may temper borrowing capacity and cool some of the FOMO seen late last year. While higher rates may shift demand slightly lower in price point, both Jeremy and James agree the outlook isn’t doom and gloom. For expats planning a return to Australia, Melbourne’s south-east still offers long-term fundamentals, particularly in more affordable pockets just inland from recent high-growth suburbs.

Relevant Links:


• Bluestone Property Corporation - https://bluestonepc.com.au/

• 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 – 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 Episode 5 of Season 7, hosts Jeremy Harper, Managing Director - Mortgages and James Ridley, Managing Director - APAC unpack the RBA’s February 2026 cash rate increase and what it means for Australian expats with mortgages. With the official cash rate rising by 25 basis points to 3.85%, this marks the first rate hike in over two and a half years, and they break down the implications for homeowners, investors, and the wider economy.

They also discuss emerging whispers around the 50% CGT discount concession and how potential changes could impact property investors, tax planning, and long-term wealth strategies.

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 – 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 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