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BooK Appointment

Secure the property you want, at the same rates you’d get back home.

What the Process Looks Like
Booking your appointment is the first step to getting clear, expert guidance on financing Australian property from overseas. We’ll discuss your goals and situation in a relaxed chat, giving you the clarity and confidence to move forward.
Purpose of the Call
This call is all about understanding your situation. We’ll talk through your plans - whether you’re buying your future home, investing, or refinancing - and explain what’s possible for you as an expat. You’ll have ample opportunity to ask questions and understand exactly how the process works.
What to Have Ready
Don’t stress - there’s nothing too formal needed from you! But to get the most from our chat, it helps if you have:
  • Your property goals
  • A sense of your income and savings
  • A sense of your current outstanding liabilities/loans
  • Any questions you’d like answered
Your Outcome - You’ll leave knowing:
  • How much you may be able to borrow
  • Which lender options suit you
  • The steps to secure finance from overseas

Meet The Team

MORTGAGE BROKERS

Tim Raes

Aussie Expat Home Loans Founder
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About Tim

Shaun Rattray

Based in Hong Kong
ACRN 556285
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About Shaun

Charu Kumar

Based in Australia
ACRN 537014
Schedule a call
About Chatu

Tim Raes

Aussie Expat Home Loans Founder
Schedule a call

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

Based in Hong Kong
ACRN 556285
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Based in our Hong Kong office, Shaun brings over 12 years of lending experience, including managing private banking clients at a Big 4 Australian bank. He’s passionate about finding tailored solutions for complex scenarios, drawing on his deep industry knowledge. A Melbournian at heart, Shaun enjoys traveling, playing squash, skiing, and relaxing with friends.

Charu Kumar

Based in Australia
ACRN 537014
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Charu has called Singapore home for 15 years and is well-known in the expat community. With a strong background as a Chartered Accountant and a knack for simplifying complex lender options, she’s dedicated to finding the best deals for clients. Charu’s love for cricket, Bollywood, and sports keeps her active, whether she’s on the golf course or cheering for her favourite teams. She also speaks fluent Hindi and brings a personal touch to each client interaction.

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