Expat Mortgage Podcast

Welcome to season 7, episode 40 of #AtlasExpatMortgage: Brisbane on the Ground. Hosted by Atlas Mortgages Managing Director Jeremy Harper, this episode features Blair Gardner, Head Buyer’s Agent – Brisbane for the Henderson Group. Blair shares what’s really happening on the ground across Brisbane’s property market, from falling clearance rates and vendor price expectations, to why off-market deals...

Sydney prices are off their February peak, spring clearance rates are soft, and the RBA has lifted rates. So what’s happening on the ground? In season 7, episode 39 of #AtlasExpatMortgage, Atlas Mortgages MD, Jeremy Harper is joined by Perry Preziusi, Head Buyer’s Agent at the Henderson Group. Perry shares what he has seen since the Federal Budget: quieter inspections, more off-market deals, and n...

In season 7, episode 38 of #ExpatMortgages, October Market Update, James and Jeremy dig into the RBA’s September minutes. It's one telling word count reveals exactly where the board’s head is really at, and why it might set up a bold call for November. Fresh unemployment data just dropped too, and the numbers are moving in a direction that has James flagging recession territory if the trend contin...

Welcome to Season 7, Episode 37 of #AtlasExpatMortgages podcast, Deals of the Month. Atlas Wealth Group Managing Directors, James Ridley and Jeremy Harper pull back the curtain on three recent deals that settled under the Atlas Mortgages banner, and each one proves there’s more than one way to get a tricky scenario across the line. First up, a retired expat in the UK with loads of equity sitting i...

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 am...

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 i...

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 unpac...

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 Septem...

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...

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 wi...

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...

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...

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 servic...

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...

A new financial year, a new set of rules, and a lot to recalibrate. Atlas Wealth Group Managing Directors, James Ridley (APAC) and Jeremy Harper (Mortgages) take stock of a softening Sydney market, diverging capital city performance, and what rising rents mean for the RBA's next move. The bigger conversation, though, is structural: with the incoming CGT changes hitting non-resident property owners...

A lot has landed in a short space of time, and Australian expats need to pay attention. In this episode, Atlas Wealth Group Managing Directors, James Ridley (APAC) and Jeremy Harper (Mortgages) cut through a week of major policy shifts and market moves. They cover what softer inflation means for RBA expectations, why a weaker AUD is quietly working in expats' favour right now, and what the closure...

In this episode of the Atlas Expat Mortgage Podcast, Jeremy Harper outlines how Australian expats living in the UK can buy, refinance, and invest in Australian property. Through a practical presentation, Jeremy explains how lenders assess UK-based income—including salary, bonuses, business income, and RSUs—while also highlighting the key factors that can influence borrowing capacity. Additionally,...

In this episode of the Atlas Expat Mortgage Podcast, Managing Directors Jeremy Harper and James Ridley unpack the Reserve Bank of Australia's June interest rate decision and what it means for Australian expats, property investors, and borrowers. They discuss the RBA's decision to hold the cash rate at 4.35%, the outlook for inflation, and why future rate movements remain uncertain despite differin...

In this episode of the Atlas Expat Mortgage Podcast, Jeremy Harper and James Ridley discuss the latest property, rental, and lending market trends ahead of the Reserve Bank of Australia's June meeting. They explore the diverging performance of Australia's capital cities, softening conditions in Sydney and Melbourne, persistently low rental vacancies, and the potential impact of recent Federal Budg...

In this special episode of the Atlas Expat Mortgages Podcast, Managing Director - APAC, James Ridley is joined by Ben Turner, Managing Director of Atlas Tax, to replay our Australian Federal Budget 2026-27 webinar. Together, they unpack the most significant proposed changes to Australian tax and property legislation in decades, including reforms to capital gains tax, negative gearing, discretionar...

In this episode of the Atlas Expat Mortgage podcast, Atlas Wealth Group Managing Directors James Ridley and Jeremy Harper unpack the practical implications of the proposed 2026–27 Federal Budget reforms for Australian expats at every stage of the property journey. The discussion explores how the proposed changes to capital gains tax, negative gearing and discretionary trusts may impact Australians...

In Season 7, Episode 19 of the Atlas Wealth Expat Mortgage Podcast, Jeremy Harper and James Ridley unpack the proposed tax and property reforms announced in the 2026–27 Australian Federal Budget. The episode covers the potential impacts of changes to negative gearing, capital gains tax (CGT), and discretionary trusts, along with what these proposals could mean for Australian expats and property in...

In this episode of Atlas Expat Mortgages, Director, Jeremy Harper is joined by Kristan Johnson, Founder & Principal Buyers Agent, Johnson Property Co. They discuss why Sydney’s Inner West continues to attract strong interest from Australian expats. With changing market conditions and rising interest rates, they explore what expats should consider when buying property from overseas, where opportuni...

In Episode 17 of the Expat Mortgage Podcast, Jeremy Harper and James Ridley break down the latest inflation jump to 4.6% and what it means for interest rates and expat borrowers in Australia. They discuss key inflation drivers like fuel, housing, and government spending, and why further RBA rate hikes are likely. The episode also covers the impact on mortgage repayments, fixed vs variable decision...

In Episode 16 of the Expat Mortgage Podcast, host Jeremy Harper is joined by Daniel Stocco from Quixley Real Estate to unpack what’s really happening in Melbourne’s property market. They explore shifting buyer demand across inner-north suburbs, the emergence of a “K-shaped” market, and how affordability pressures and tighter lending conditions are influencing purchasing behaviour. The conversation...