“I founded Aussie Expat Home Loans with a simple goal - to ensure that Australian expats were getting the best home loan deals.”
Tim Raes, Founder and Managing Director
"I experienced firsthand how challenging it is for Australians abroad to navigate the property market back home.
My mission has always been to help expats unlock financial freedom through property investment and be their financing partner.
What started as a personal vision is now a team sharing my passion to help Aussies secure their future.
We’re more than mortgage brokers; we live the same experiences and support you with expertise and a personal touch every step of the way.
Aussie Expat Home Loans is the trusted mortgage brokerage for Australians overseas. Get in touch to see how we can support your expat property investment journey.”
"I experienced firsthand how challenging it is for Australians abroad to navigate the property market back home.
My mission has always been to help expats unlock financial freedom through property investment and be their financing partner.
What started as a personal vision is now a team sharing my passion to help Aussies secure their future.
We’re more than mortgage brokers; we live the same experiences and support you with expertise and a personal touch every step of the way.
Aussie Expat Home Loans is the trusted mortgage brokerage for Australians overseas. Get in touch to see how we can support your expat property investment journey.”
Meet the Team
We’re a close-knit group of experts who genuinely care about each client.
Each member brings unique perspectives and deep industry knowledge, but above all, heart.
Whether you’re speaking with Tim or any of our brokers, you’ll experience dedication and warmth that set us apart.
We’re here to make your property journey as smooth and stress-free as possible.
Our Mortgage Brokers
Shaun Rattray
ACRN 556285
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
ACRN 537014
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.
Paul Truong
ACRN 509676
Paul is based in our Melbourne office and brings over a decade of experience in residential, commercial, and Self-Managed Superannuation Fund lending. With a focus on simplifying the finance process, he helps clients find the best lender options for their needs. Outside of work, Paul enjoys spending time with his wife and taking his Golden Retriever on long walks.
Our Support Team
Kuldeep Singh
Client services Manager
Kuldeep, our Client Services Manager, has over 13 years of diversified finance and banking experience. Based in Melbourne since 2022, he ensures smooth, accurate processing of loan applications, bridging clients, the team, and lenders seamlessly. In his free time, Kuldeep enjoys cooking, taking driving holidays, and writing blog posts.
Doris Jaziel Lim
Operations Manager
Doris joined us as Operations Manager in 2021, bringing over 20 years of experience with major banks in Singapore. Known for her infectious positivity—whether it’s a “Terrific Tuesday!” or a “Happy Friday!”—she’s always ready to ensure loan applications go smoothly. In her spare time, Doris loves reading and finding the best hawker food in Singapore.
Our Mortgage Brokers
Our Support Team
Kuldeep Singh
Client services Manager
Doris Jaziel Lim
Operations Manager
Equipped To Support Aussie Expats Worldwide
We have offices in Singapore, Hong Kong, and Melbourne, but we’re equipped to support Aussie expats worldwide, including those in the Middle East, Europe, USA and beyond.
No matter where you are, we’re ready to help you find the best property finance, offering expert guidance every step of the way.
Our team is committed to helping you make informed decisions that fit your unique financial situation and goals, so you can focus on what matters most
When you return to Australia - Urbane Finance
To serve the needs of repatriating Aussies, we created Urbane Finance, led by Paul in Melbourne, to simplify securing property finance once back in Australia. Wherever life takes you, we’re ready to guide you every step of the way.
Find out more about Urbane Finance
Learn MoreWhy Choose Us
With over a hundred five-star Google reviews, our clients’ satisfaction speaks for itself. We are proud of the relationships we’ve built and the positive experiences we deliver.
Our clients often refer friends and family, knowing they’ll be met with the same dedication and care. We’re here to support you as you build your future—wherever in the world you may be.
Our Partner Network
To make your property journey as seamless as possible, we’ve built a network of trusted professionals, including buyer’s agents, tax agents, financial planners, and property managers.
We work in an ecosystem with some of the best expat providers, and they offer valuable services that can complement our work in securing your home loan. By connecting you with these experts, we aim to ensure you have all the resources you need to make confident, well-informed decisions.
What to Expect
As expats ourselves, we understand the unique challenges you face. In our first meeting—whether in person or via video—we’ll take the time to get to know you and your property goals. We’ll conduct a thorough review to determine your borrowing capacity, then explore our panel of lenders to find the best deal for you, including negotiating favourable interest rates. From there, we’ll handle the paperwork and application processing, making your purchase or refinance as stress-free as possible.
Get inTouch
Ready to experience our personalised approach? Contact us today to schedule a consultation
