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Why AEXPHL
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Trusted by 2000+ Aussie Expat Families

Australian Citizen or PR Living Overseas and Thinking About Buying Property Back in Australia?

You’re in the right place.
We help Australians living overseas to secure home loans - so if you want to know whether you can borrow as an expat, how much, and with which lenders- come and talk to us and we’ll walk you through it.
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50+ calls booked monthly

Who we can help

You’ll get the most value from us if you’re:
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An Australian citizen or Permanent Resident living overseas
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Earning foreign income. For example, SGD, HKD, AED or another foreign currency
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Looking to buy an investment property or a future family home in Australia. 
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Looking to refinancing and interested in getting a better interest rate
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Wanting a clear tailored plan made specifically for you, rather than piecing together advice from online sources, banks, friends, and forums.
If that sounds like you, we can help. 
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you can expect
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Interest Rate
Competitive Rates
We work with a wide panel of lenders so you can access similar, if not the same rates and terms as what your mates are paying back in Australia.
Broker
Expat Brokers Who Live It
Our team has more than 10 years’ experience in Australia and overseas. We don’t just work with expats — we are expats.
Social Care
Care Beyond Settlement
We are here for you from that first chat, through approval, and even well after settlement.
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We've worked with Aussies from
Get lender-ready faster

Expat lending is complicated

Hidden lender rules cause expensive surprises.
We make it simple, structured, and stress-free.
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Feeling unsure?

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Not sure how your expat income fits lender rules?
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Confused about which documents to prepare, or when?
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Worried about proving your income the right way?
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Tired of hidden policy traps and mixed messages?
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White-Glove Expat Mortgage Service

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We package your application the way underwriters want to see it.
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You get a clear, tailored checklist of what’s needed, when, and how.
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We verify your income and make your eligibility as clear as possible from the start.
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Solution

How we help you secure the right deal

Urbane270625 089 Min

Full service mortgage brokerage

Community sits at the core of what we do. Through The Aussie Expat Podcast, quarterly catch-ups, and links with ANZA and AustCham, we help Aussies abroad stay informed, connected and supported.
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Lender & client relationships

We’re a full-service expat brokerage — helping with the finance, and with the trusted network around it. Conveyancers, buyers’ agents, tax advisers, FX partners, insurers — we bring the right people together around your purchase.
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Expat community

Every client sits at the centre of what we do. Our goal is to support you and your family for many years to come, not just one time.
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Testimonials from Google

Hear it from our clients

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5-Star Reviews on Google
188 and counting
What makes us different

Why work with Aussie Expat Home Loans

Other Brokers

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Don’t get expats or cross border rules
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Disjointed service
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Theory, not lived experience
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Outsourced processing
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Messy, outdated systems
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You have to chase them for updates
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No real after-hours support

AEXPHL

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We get you — because we’re Australians living overseas too.
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A full-service team across Singapore, Hong Kong and Australia.
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Everything handled in-house, nothing outsourced.
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A seamless client portal
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Email and WhatsApp updates at each and every stage.
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(Coming soon) 24/7 AI client support
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How it works

Getting started is simple

From confusion to confidence and clarity in three steps
1

Discovery

A quick call to discuss your goals and see what’s possible as an Australian living overseas.
2

Eligibility

We outline how much you may be able to borrow, how your foreign income is likely to be treated, and which lenders look like the best fit.
3

Approval and Settlement

We manage your application through to approval, liaise with the lender and your team on the ground, and check the details carefully before settlement.
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Let's connect

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Aussie expat? See what you can borrow
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