BooK Appointment

Meet The Team


Tim Raes
Aussie Expat Home Loans Founder

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

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 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.

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.

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

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