Who we are

Aussie Expat Home Loans was founded on a simple goal - to ensure that Australian Expats achieve the best home loan deals they can.

Borrowing as an expat can be tough, but we are here to provide you with expert guidance and advice to help navigate that process as easily as possible.

Each bank in Australia has its own set of rules and policies for assessing applicants living offshore.  Some will accept your bonus income while others won’t.  Others may shade your overseas income more harshly than the others.  Our job is to find the bank that suits your situation, and ensure you get the best deal tailored to your needs.

"I founded Aussie Expat Home Loans with a simple goal - to ensure that Australian Expats were getting the best home loan deals they could. "


My name is Tim, and I am the founder of
Aussie Expat Home Loans.

I spent 12 years working for a big 4 Australian Bank, and was lucky enough to spend my final year (2017) working in Singapore, helping Expats finance Australian Property back home. 

2017 was the year that the major Australian Banks pulled out of Asia, and I started to hear more and more stories from my clients and friends about how difficult it was for them to get loans for their Australian property purchases. I decided I wanted to help do something about it, and from here Aussie Expat Home Loans was born. 

I founded Aussie Expat Home Loans with a simple goal - to ensure that Australian Expats were getting the best home loan deals they could.  

I am still based in Singapore living the expat dream, and being able to explain Expat life first hand means I am able to find better rates and deals that others can't.

If you have purchased or are looking to purchase Australian property, or would like to review your existing loan structures to ensure you're getting the best rates, I'd love the opportunity to be able to help you. 

Please feel free to reach out to me below or book an appointment in my calendar above.

SIN: +65 8479 3873
AUS: +61 403 961 627

Meet The Team


Shaun Rattray
Mortgage Broker

Shaun is based in our Hong Kong office, and has been living in HK for the past 5 years.  He joins us from a Big 4 Australian Bank where he managed a portfolio of Private Banking clients.

Having spent more than 12 years working in different lending departments, he brings with him a wealth of experience in navigating complex banking processes and coming up with tailored solutions for many different scenarios.

While a Melbournian at heart, Shaun is enjoying his expat experience. He spends his time travelling and discovering different countries and locations within Asia.In Shaun’s downtime, he enjoys a game of squash, getting out on the slopes for a ski and a quiet drink with mates.

ACRN 556285

Charu Kumar
Mortgage Broker

Charu has been in Singapore for 15 years and is a familiar face in the Singapore Expat scene. She grew up in Sydney and is married to a Melbournian. She has 2 adult sons – previously attended the Australian School, Singapore and both are now at university in Melbourne, VIC.

Charu has a strong financial background and is a qualified Australian Chartered Accountant & completed Postgraduate studies in Business Management which makes her great at breaking down the numbers to work out different lender options for her clients.

Charu loves her sports and Bollywood. She is a cricket fanatic, F1 & AFL follower and played tennis in the Singapore Women’s Tennis League. These days she is trying out her swing at golf! She can also speak fluent Hindi.

She is passionate about helping everyone find the best lender deal that suit your goals, all while doing it with a smile. :)

ACRN 537014

Paul Truong
Mortgage Broker

Paul joined the AEXPHL family with the goal of helping clients have as simple a process as possible in obtaining finance.  He is based in our Melbourne office, working under our Australian business Urbane Finance. He has over 10 years of experience in residential, commercial and SMSF lending and can help you navigate through the abundance of options to find a lender and product that’s suitable for your goals.

Paul’s extensive background in banking, lending, and financial planning means you know that you’re in good hands.

In his spare time, Paul spends his time with his wife and loves to take his Golden Retriever Reggie on long walks.

ACRN 509676


Kuldeep Singh
Client services Manager

Kuldeep is our Client Services Manager, and comes from a very diversified finance and banking career which spans the past 13 years.

His main role is to ensure our back-end operations and loan applications are processed promptly and accurately.He has been in Melbourne since early 2022 and his international finance experience makes him a great bridge between our clients, our team and our lender partners.

During is free time, Kuldeep loves to cook, going on driving holidays and writes blog posts.

Doris Jaziel Lim
Operation Manager

Doris joined team AEXPHL in 2021 as our Operations Manager.

She has previously worked for 20+ years at NAB and Westpac in Singapore and so is very familiar in navigating bank processes and helping your applications go through as smoothly as possible.

In her spare time Doris enjoys reading and searching for Singapore’s best hawker food.

Roel Guido
Credit Analyst

Roel joined AEXPHL in 2020 and is responsible for preparing and submitting our clients loan applications.

Prior to joining AEXPHl he had been working with other mortgage broking firms after completing his BS in Accounting and Management accounting.

In his spare time Roel enjoys immersing himself in Netflix series, playing mobile games, and he is an active youth server in his church.

Miguel Dino
Credit Analyst

Miguel joined the AEXPHL family in 2023 and assists with preparing and submitting loan applications for our clients.

He has a strong background previously supporting other companies in the Australian consumer lending industry after obtaining his degree in Legal Management.

In his spare time he enjoys writing fiction, playing video games, and spending time with his cat.

Apple-Mae Ranile
Credit Administrator

Apple joined AEXPHL 2021. She is responsible for annual reviews,approval extensions and generally ensuring our clients have a great experience with us before and after the settlement of their loans.

She holds a bachelor’s degree in Secondary Education and enjoys trekking and spending time with her family and friends.

We are on the ground, living the same Expat experience as you.
We can help by:

Meeting with you either in person or through video conferencing, to gain an understanding of you and your property goals
Complete an initial review to work out your borrowing capacity, and review with our panel of lenders to see who will provide the best deal.  This includes negotiating the best interest rates for you
Help you to take care of all the paperwork and application processing with the lender, to help make your purchase or refinance as stress free as possible

we believe in

  • Putting you, the client, at the centre of all of our recommendations;
  • Honest, upfront advice
  • Being a connector and supporting the greater Expat community

We believe in

Honest, Upfront advice
that is tailored to you
Putting you, the client,
at the centre of all of
our recommendations
Being a connector and
supporting the greater
Expat community

Let us help you on your Journey

Speak to our experts today


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