1D AGO

Season 7, Episode 5 - RBA February 2026 Rate Hike

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

22 min

FEB 1

Season 7. Episode 4 - CPI Surprise and the RBA Rate Call

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

23 min

JAN 31

Season 7. Episode 3 – APRA, Rates & Lending Trends

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

16 min

JAN 30

Season 7. Episode 2 – Bank Rate Shifts & Buying From Overseas

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

25 min

JAN 30

Season 7 Episode 1 - 2026 Property Market Outlook

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

25 min

12/18/2025

Season 6. Episode 12 - Expat & International Lending Explained with La Trobe Financial

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.

25 min

12/04/2025

Season 6. Episode 11 - Breaking Down the RBA Pause, Property Growth & Trust Lending Ban

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.

16 min

11/27/2025

Season 6. Episode 10 - Understanding the Six-Year Rule and Tax Residency for Australian Expats

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.

10 min

Expat Mortgage Podcast

Episodes

Season 7, Episode 5 - RBA February 2026 Rate Hike

Season 7. Episode 4 - CPI Surprise and the RBA Rate Call

Season 7. Episode 3 – APRA, Rates & Lending Trends

Season 7. Episode 2 – Bank Rate Shifts & Buying From Overseas

Season 7 Episode 1 - 2026 Property Market Outlook

Season 6. Episode 12 - Expat & International Lending Explained with La Trobe Financial

Season 6. Episode 11 - Breaking Down the RBA Pause, Property Growth & Trust Lending Ban

Season 6. Episode 10 - Understanding the Six-Year Rule and Tax Residency for Australian Expats

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