In this episode of Behind the Advice Australia, we tackle one of the biggest financial challenges facing Australian expats - repatriation.

Returning home isn't just about booking flights and packing your belongings. Determining residency rules, understanding capital gains tax, managing foreign pensions and assets are a critical part of an Expat’s repatriation that can have serious tax implications if not properly planned.

Our guest on this episode is Tara Buchanan, an experienced Tax Accountant and Managing Director at Worldwide Advisory, who specialises in working with Australian Expats. Tara brings deep insight into the common mistakes expats make when returning to Australia and the proactive steps that you can take for a smoother transition home.

In this episode, we cover:

• When and how the ATO considers you a tax resident again
• Timing strategies around your return date
• How overseas assets, including shares and property are treated upon return
• The concept of "deemed acquisition" and resetting your cost base
• Tax treatment of foreign pensions like 401(k)s, CPFs, and MPFs
• How to re-engage with superannuation once you're back
• Practical timelines and planning tips to make your return smoother and more tax-efficient

This episode is packed with must-know tips. It’s never too soon to start thinking strategically about how a return to Australia can impact your financial position.

To learn more about how Runway Wealth Management can assist you on your Expat journey, be sure to check out our website here: www.runwaywealth.com.

Buying property in Australia while living abroad can feel like navigating a maze, but it doesn’t have to be.

In this episode, I’m joined by Joe Perrone, Partner at Ortus Financial and an experienced finance broker, to demystify the lending process for Australian expats. We explore how lending policies differ for expats, what challenges you’re likely to face, and what banks look at when assessing your overseas income and situation.

Joe breaks down key topics such as:

• Which lenders are expat-friendly (and which aren’t)
• Why the lending process is different, and often longer, for expats
• How living in places like Dubai or Singapore can impact your loan application
• Whether you’ll pay higher interest rates or have access to features like offset accounts
• What foreign income discounting means for your borrowing capacity
• Why starting with a clear view of your borrowing power is essential

We also touch on broader market insights, including where interest rates and property prices might be heading over the next 12 months, and Joe shares his #1 piece of advice for expats looking to buy in Australia. If you're an Aussie living overseas and thinking about buying back home, this episode is a must-listen.

Mitchell Kelsey is joined by Tax Advisor Nathan Cosley from Costical Tax, to unpack the often confusing world of Australian taxes for expats. They dive into everything from determining your tax residency status to understanding obligations for non-residents, managing taxable income, and capital gains tax on property and shares. Plus, they break down the common mistakes expats make—and how to avoid them. Whether you're living overseas or planning a move, this episode is packed with practical insights to help you stay compliant and financially savvy.

You can reach out to Nathan to discuss your specific Australian expat tax position and opportunities to optimise at www.costicaltax.com. Specifically for those living in the UK, reach out to Nathan and the team at www.ukautax.com for integrated UK and Australian tax planning advice.

To learn more about how Runway Wealth Management can assist you on your Expat journey, be sure to check out our website here: www.runwaywealth.com.