Using an expat-focused mortgage broker such as AEXPHL gives you access to a wide range of Australian lenders and home loan options, rather than just a single bank’s products. Australian expats often have more complex situations (foreign income, different lending structures, specific ID requirements, etc.), and many bank staff are not experienced with non-resident borrowers. By contrast, AEXPHL specialises in Australian expat home loans and knows which banks are the most expat friendly. We compare rates and policies across dozens of lenders to find a competitive loan that suits your needs. In short, you get more choice, expert guidance, and a smoother process. Our brokers also handle the paperwork and deal with the banks on your behalf, making the experience much easier for you. This means you’re more likely to get approved and secure a better deal than if you approached a bank on your own.