Get The Expert Advantage
Stop paying the “Expat Tax.” Most banks penalise you for living in Singapore. We do the opposite.
- 100% Income, No Shading: Banks usually slash 20% off your income for “risk.” We use lenders who count every dollar.
- RSUs Are Income, Not Fluff: If you’re in Tech/Finance, your stock and bonuses are real money. We make sure the bank treats them that way.
- Singapore Tax, Australian Loans: We assess your borrowing power using Singapore’s 15% tax rate, not Australia’s 45%. This instantly adds 30% to your budget.
- School Fees Aren’t Debts: Standard lenders see International Schooling as a “risk.” We see it as a lifestyle standard that shouldn’t kill your loan.
Why Choose Home Loan Experts?
Don’t let a slow bank lose your property. While traditional banks spend weeks trying to interpret your income, we’ve already cleared the path.
- We fast-track approvals, while others take weeks to assess income
- Get pre-approved in a few days using 100% of your income
- Enjoy a fully digital, POA-friendly settlement
- Maximise your borrowing power with 100% bonus and RSU recognition through select lenders
50+ lenders for you to choose from
Our brokers will compare thousands of home loans to find you the best fit.
Hear From Our Customers
As an ex-pat Aussie living in Singapore, the Australian banks make it so difficult for me to get a mortgage for Australian property. Shane at Home Loan Experts knows which banks have the products that suit me, and the requirements of each bank before they will accept my mortgage application. Even when property settlement was months away, Shane took the time to give me constructive feedback on how to rearrange my finances to make my mortgage application success. His communication is professional and timely.
The team have been excellent in finding us a bank that will provide mortgage funding for expats based in Singapore. Ongoing service has been very supportive with regular updates and happy to act as conduits between us and the bank. Highly recommend the team for any mortgage needs.
A Seamless Experience with Bibesh and Team – Bibesh and his team managed my mortgage applications with exceptional expertise. Despite the complexities of equity release and expat income, which made the process challenging, Bibesh was incredibly knowledgeable and supportive throughout. From the beginning, he maintained a positive attitude and informed me at every stage. He patiently walked me through each step, ensuring I fully understood the process, which significantly eased my anxiety. Bibesh took the time to call and explain everything in detail. I am thoroughly satisfied with his assistance in securing my mortgages and am delighted with the outcome.
4.9 out of 2,000++ reviews
4.8 out of 430++ reviews
4.8 out of 1000++ reviews
Award-Winning Expertise At Your Service
3 Steps To Settlement
Your time is your greatest asset. Our process reflects that.
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Enquire with us
Quickly fill out our free assessment form or call us on +61 2 9194 1700
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We Understand Your Situation
One of our mortgage experts will get in touch with you to better assess your situation.
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Getting your dream home
We handle the bank and the paperwork so you can focus on your goals.