Australian Expat Tax Advice.
When Australians decide to make the move overseas, many often don’t take the time to get Australian expat tax advice or do any form of tax planning.
Arguably, your tax strategies and planning are just as important as which country you’re looking to move to or where your children will go to school. There are significant costs that can come with poor tax planning for expats, and you need to be proactive in your approach to tax planning strategies before moving overseas and also before returning home.
Some of the areas that you need to seek Australian expat tax advice on include:
Investment Properties
Many Australians, choose to purchase an investment property when living overseas with the intention of using it as their principal place of residence when they return. It’s important to consider tax implications and also the fact that you will not likely qualify for any Government exemptions or bonuses at the time of purchase.
Similarly, if you own a property as an owner-occupier and then move overseas only to rent that property out, the laws around capital gains tax have recently changed, and you could find yourself liable should you choose to sell that property whilst you are a non-resident expat.
Retirement Savings
If you’ve been living and working overseas and contributing money to a local pension or superannuation scheme, you will need to consider the costs and tax implications of rolling those funds over into an Australian-based superannuation fund when looking to repatriate back to Australia.
Similarly, investments in managed funds and their CGT implications can change when your residency status changes.
Tax Credits
The most common situation where this occurs is with expats who own Australian property that is receiving rent as this is considered Australian Taxable Income (ATI) and the expenses incurred in holding the property exceed this amount. This can be quite considerable at times, especially if the property is a high-quality new dwelling that has large non-cash depreciation deductions allowed under Div 40 & 43 ITAA97.
In this situation, the taxpayer is allowed to carry forward these tax credits to use when required at a later point in time. This could be when repatriating and then earning personal exertion income in Australia, sale of the property and managing Capital Gains Tax or acquiring other property that may be positively geared.
SMSFs
The laws surrounding SMSFs are complex and there are a number of steps you must take to remain compliant. Changes to tax residency could potentially cause the SMSF to become non-compliant and the mooted changes from the 2021 Budget will also need to be considered once they are legislated.
These are just some common examples of what should be considered when looking to become an expat, and is by no means exhaustive. That is why it is always important to seek specialist advice before actually making any significant changes for the expats living in the UK, USA, Hong Kong, Singapore and other areas.
Still managing your Australian super from a high-rise in Singapore? 🇦🇺✈️
Living overseas doesn`t mean you get to ignore what`s changing back home — and today, 1 July 2026, a lot just changed for Aussie expats.
Here`s what matters most if you`re building a life abroad:
→ Super caps just went up. Concessional contributions now cap at $32,500, non-concessional at $130,000. If you`re topping up your super from overseas, there`s more room this year — but timing and structure matter when you`re a non-resident.
→ The ATO is watching residency claims. Proposed tax residency reforms aren`t law yet, but scrutiny of non-resident claims is ramping up fast. Assuming you`re "definitely non-resident" is exactly the assumption that catches expats out.
→ Division 296 is live. Super balances over $3m now face an extra tax on earnings above the threshold — and yes, it still applies while you`re living overseas.
→ A small win: the personal income tax rate drops from 16% to 15%.
Distance makes Australian finances messier, not simpler. The expats who stay ahead plan around these rules instead of finding out at tax time.
Want to know how this hits your situation? Visit thewiseguru.com or DM us "EXPAT" 👇
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Big changes are happening across the Australian property and finance market.
In my latest video, I break down the key updates property owners, investors and buyers need to know — including the latest market data, interest rate pressure, NSW housing updates and Budget changes affecting property investors.
Whether you own property, are planning to buy, or are watching the market closely, these changes could shape the next phase of Australian real estate.
Watch the full video for the breakdown.. link in bio ☝️
#AustralianProperty #NegativeGearing #capitalgainstax
🏠 Australia doesn’t have a housing tax problem.
It has a housing supply problem.
While politicians argue about investors, negative gearing and capital gains tax, the real question is:
Why aren’t we talking about building more homes?
Australia needs hundreds of thousands of new homes each year, yet we’re falling well short of what’s needed. More demand and not enough supply means affordability remains under pressure for renters, first home buyers and families alike.
If we want housing to become more affordable, we need policies that:
✅ Increase housing supply
✅ Encourage new construction
✅ Reduce unnecessary costs on building new homes
✅ Make it easier to deliver more homes, faster
We’ve launched a Parliamentary Petition calling for practical solutions that focus on increasing housing supply rather than adding more taxes.
👉 Sign the petition via the link in our bio.
Every signature helps put housing supply back at the centre of the national conversation.
#HousingCrisis #HousingAffordability #BuildMoreHomes #PropertyAustralia #AustralianHousing HousingSupply ConstructionIndustry PropertyInvestment Australia Petition
Avoiding the wrong investment is just as important as choosing the right one.
Some property markets may look promising at first glance, but investors need to look deeper. Areas that rely heavily on a single industry or a short-term demand driver can carry greater risk if market conditions change.
Oversupply is another key factor to watch. When too many similar properties enter the market, it can place pressure on rental demand, vacancy rates, and long-term capital growth.
Before purchasing your next investment property, make sure you understand the area’s demand drivers, employment base, supply pipeline, rental market, and long-term growth outlook.
Book a consultation today to discuss a tailored property investment strategy designed around your goals.
📩 Send us a message to get started.
#PropertyInvestment #RealEstateInvesting #AustralianProperty #InvestmentStrategy #PropertyConsultant #Investing #strategy #SmartInvesting #wealth #Advice #PropertyMarket #WealthCreation #RealEstateStrategy #InvestmentTips
Negative gearing remains an important consideration for property investors, particularly as discussions around potential changes and exemptions continue.
Understanding how these rules may affect your investment position, tax outcomes, and long-term property strategy is essential before making your next move.
For investors considering new or high-quality real estate assets, the right guidance can help you make informed decisions, structure your approach effectively, and align your investment strategy with your broader financial goals.
Book a consultation today to discuss a tailored approach to your property investment journey.
📩 Send us a message to get started.
#NegativeGearing #PropertyInvestment #AustralianProperty #RealEstateInvesting #PropertyStrategy #InvestmentProperty #WealthCreation #finance #future #TaxPlanning #Investment #Education #FinancialStrategy
🏡The rules for property investors in Australia have changed.
In today’s market, successful investing requires more than simply buying a property and waiting for capital growth.
With higher interest rates, tighter lending conditions, increased holding costs and changing rental market dynamics, investors now need to be far more strategic with every property decision.
Before purchasing, it is now essential to understand:
✅ Cash flow and serviceability
✅ Rental demand and vacancy rates
✅ Location fundamentals
✅ Holding costs and tax implications
✅ Long-term growth drivers
The opportunity is still there — but the approach needs to be sharper, more informed and backed by the right numbers.
📲 Click the link in bio to watch the full review.
#AustralianProperty #PropertyInvesting #PropertyInvestor #AustraliaRealEstate #RealEstateAustralia #InvestmentProperty #PropertyMarket #AustralianHousingMarket #PropertyStrategy #WealthCreation
🚨 Why your rent is about to skyrocket
It all comes down to one simple problem: too many renters, not enough homes.
Across Australia, rental vacancy rates are still sitting near crisis levels, meaning tenants are competing for a very limited number of available properties.
At the same time, population growth remains strong, construction is still struggling to keep up, and new housing supply is not entering the market fast enough.
The result?
More pressure on rents.
More competition at inspections.
More stress for tenants.
And stronger cash flow potential for well-positioned property investors.
This is why understanding supply, demand, vacancy rates and local market trends is so important before making your next property move.
The rental market isn’t just “getting expensive” — it’s being pushed higher by structural shortages.
📲 Click the link in bio to watch the full review.
#AustralianProperty #PropertyInvesting #RentalMarket #AustraliaRealEstate #PropertyInvestor #RealEstateAustralia #RentPrices #HousingMarket #Investment #PropertyTips
🏡 Join our May Quarterly Property & Finance Review with Dr Andrew Unterweger.
Get practical insights on the Australian property market, lending, interest rates, and finance strategies for 2026.
📅 Wednesday, 27 May 2026
🕥 10:30 AM Sydney/Melbourne | 12:30 PM Auckland
📍 Online via Zoom
Register via the link in bio.
Learn more or book a consultation: andrewunterweger.com
#TheWiseGuru #AustralianProperty #Investment #AussieExpats #finance #economy #wealth #strategy
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