Been with your lender for more than 2 years without a review? Then you are almost definitely paying too much for your loan. Let us do a review and after our appraisal, if we can’t save you money on your current home or investment loan, DINNER IS ON US!*
SWITCH NOW! MAKE THE CALL THAT COULD SAVE YOU $$$$
Switch Finance specialises in home loans, investment property lending and structure, and business lending. Our mission is to provide solutions and outcomes in line with our clients’ long-term aspirations and goals, rather than just short-term savings.
We are Gold Coast based with an outstanding team spanning Brisbane and Mackay, and we provide our services all around Australia and to our customers overseas.
Our Services
Home Loans
A residential mortgage tailored for you, from an independent pool of over 30 lenders.
LOANS OVER $250K NO SERVICE FEE!*
Refinance or Loan Top Up
Had your loan for 2+ years? You’re probably paying too much! Let’s find a sharper deal and get you that buffer or extra funds you need.
Business Equipment Loans
Expert assistance with equipment finance including vehicle purchases, medical, catering and hospitality equipment, computer and technology purchases and more.
Small Business Loans
UP TO $250,000, 3-24 MONTH TERMS
Easy to apply, fast decision, 90% of applicants receive funding within 1 business day (under $50K).
Easy to apply, fast decision, 90% of applicants receive funding within 1 business day (under $50K).
Commercial Lending & Company Loans
Company property purchases and refinancing, development finance, fleet finance and cash flow/business loans from mainstream or non-conforming lenders.
SMSF Loans
MANAGE YOUR OWN SUPER
Open up other avenues for property acquisition with unique tax advantages and flexibility. We organise a limited recourse borrowing arrangement (LRBA) inside of a self managed super fund.
Reverse Mortgages
Borrow money using the equity in your home as security, in a lump sum, a regular income, a line of credit or combination. Call for an obligation free chat.
Off-Plan Purchases & Construction Lending
Our support team will help manage the progress payments to the builder until completion.
We are ethical and we detest injustice. With the Reserve Bank of Australia’s interest rate at an all time low, it eats at our very core to see profit hungry financial institutions gorge upon people’s hard earned money.
We are NOT loyal to the banks or any lender, we are loyal to our customers.
Our team really does seek the best outcome for every single client. Our reputation attests to that.
We provide exemplary customer service in a no-pressure environment, simplifying the process, explaining in a clear, easy to understand way to avoid the baffling jargon that lenders love to use to confuse.
Did you know?
If you go straight to a bank or a large lending institution for a loan, the staff are loyal to their employer, NOT to you. At Switch Finance, WE ARE LOYAL TO YOU! That’s why our customers return to us time and time again, because we seek the best outcome for every single client.
We really do go the extra mile for our clients, but don’t take our word for it, read what our customers say…
I have known Ray for I5 years and have referred 3 people to him for mortgages and we were all extremely happy. I can’t say enough how wonderful Ray is and one of the nicest guys you will ever meet. Thank you very much for the effort you and your staff go to put a roof over our heads 😊Photo is my next property a holiday eventually
Wonderful help from Julie and Ray
We wanted to refinance our house for some extensive renovation work. Josh from Switch Finance was a huge help in the process. He secured us a great deal and walked us patiently and transparently through the process. Highly recommended.
My property just settled. Thanks so much for all your effort Ray, and the girls always a pleasure to deal with.I am a single mum, and was told No, no and no. Ray got me a YES for not only a refinance, but also another loan for a home for me and my girl. Dealing with the bank is always stressful, but Switch made it more bearable. Celebratory Dinner tonight.Thanks heaps Ray. And thanks for taking my calls, even at the Christmas party. You made me feel like I was an important and valued client.
Super impressed with Switch finance team and especially Eghard's support!! He took time to truly understand our situation and needs and made sure they were met when applying for finance. Efficient, effective and very personable service! Couldn't recommend these guys enough! Thank you!
Again you have made our purchase easy and follow the process all the way through to hand over. You and the entire Switch Finance Team are AMAZING !!! Could not recommend you enoughThanks for all your help today and over the years Ray. You are a pleasure to do business with. Nothing is difficult to you and we truly appreciate it 🙂 . We highly recommend your services at Switch Finance.
Joshua and team have helped us going through all the process until we got our home! It’s not easy but we work together! Now we are very happy! Thank you!
I can't speak highly enough of Eghard's professionalism and how much he assisted us in navigating the home buying process. We worked with Eghard on and off over a few years waiting for the right time to buy due to travel overseas. Without engaging the help of the Switch team we would have found it extremely difficult and probably more costly finding the right financier for our home purchase. Using a broker is a no-brainer, highly recommended.
Great service and very experienced team!
Ray and Julie have helped me with securing mortgage for me twice and both experience have been great. They will do their best to support and get the required work done in timely manner. I will definitely reach out to them again if i need to secure another mortgage.
I highly recommend Switch Finance. The service was top quality, friendly, efficient and so helpful. They were so reliable and happy to answer any questions and take the time to explain things. I would definitely use them again
Formally approved…Bobby and his team at Switch Finance have gone above and beyond to get my loan approved. We initially went with one of the big four but the valuation was so low that my deposit would not have been enough. At the last minute, Bobby had to move my loan to another bank and now with a valuation that was spot on, I’m able to stop stressing and start getting ready to build my first home. I would highly recommend Bobby and Switch Finance to anyone in a heartbeat. They are professional at all times and were willing to do more than was asked to get me the right loan.
The biggest Thank you to Ray, Julie and Team
6 months for a Reno Loan very difficult times, banks requirements are changing nothing is easy, everything takes forever but this team didn’t stop helping, working with us and the bank. Finally the money has arrived , definitely recommend Switch Finance
6 months for a Reno Loan very difficult times, banks requirements are changing nothing is easy, everything takes forever but this team didn’t stop helping, working with us and the bank. Finally the money has arrived , definitely recommend Switch Finance
Ray and his team recently helped us get a tricky mortgage over the line. They were very knowledgeable and all to happy to help. Their service is second to none and am so happy to recommend them to anyway. Thanks again team for all your help
Eghard and his team was great to deal with and I can highly recommend anyone at Switch Finance, great experience!! Thanks for all your help and support. Thank you Switch Finance!!
We have been working with Ray and his team for 13 years now and I can highly recommend dealing with anyone at Switch Finance. They go above and beyond, and are very patient people which is important when you are making big financial decisions. Thank you Switch Finance!!
Eghard and the team at Switch have just helped my partner and I secure our new home. This is the third time I've been fortunate enough to have them as part of my team. The relationship has allowed me confidence in my position when offering on property, along with extending my financial knowledge. The team are proactive in their approach, always responsive and reduce the stress of property purchase (not to be undervalued). I've recommended Switch to many of my friends and we look forward to working with them for the next one! Thanks again guys!
Thank You, Bobby! We couldn't do it without You and my accountant off course! Best service ever!
Highly recommended. Very reliable. Ray was very helpful in every step of the process. Julie and Isabelle were awesome too. So happy with their assistance in the purchase of our home.
Highly recommended. Thanks so much Ray and team for helping Josh and I with our finances.
Ray & Julie were fantastic to work with when refinancing our home loan."I will use this team again
What a team!! Could not fault the service we received from Ray, Julie and the Team. We have dealt with mortgage brokers in the past but none come close to Switch Finance. Ray is very knowledgeable and gets the loan that other brokers can't. Then there is Julie who is definitely Ray's right hand woman, she is on top of every little detail and does not skip a beat. We will be using them again in future and I would highly recommend them to anybody. Thanks for everything guys!
Ray and Julie (and the rest of the team) were a pleasure to work with. Ray was able to get finance approved for us that other brokers just could not match. Julie made the process smooth and stress free despite undertaking a complicated home refinance & construction loan in the middle of a global pandemic! We highly recommend Switch Finance. Thanks so much for your help....
Eghard & Julie were an absolute pleasure to deal with. We really valued their professional assistance, they went above and beyond any standard expectations.We’d like to recommend them and the whole Switch Finance team for any of their services.
Thanks Bobby for helping us secure a loan so we could move a little further out to Bonogin to a nice family home to raise our 2 and 3 year old.Having our own business made it very difficult for banks to lend us money but Bobby said he could help and he was able to secure our loan. Bobby was very prompt, even outside working hours.We wouldn’t be enjoying our new home today if it wasn’t for Bobby at Switch Finance.Steve & Ash - Chevron Driving School 🚗💨
Couldn't recommend Switch Finance higher - Ray, Julie and Carl are a team to be reckoned with.From start to finish their attention to detail and efficiency never lacked.Switch Finance organised a great deal - even better than personal contacts I had in banks could.Give them a call today, you will be glad you did!!
Punctual responses, accurate results, customer service during and after re-finance. Highly recommended
Ray and Julie have been an awesome help for me and my partner with our finance. They were able to assist us and answer all questions we had as this was all new for us, they made it smooth and achievable process. Awesome experience and service! Would 100% recommend. Both Julie and Ray were excellent from the beginning.
Wonderful experience as always, Ray is continuously able to get us exactly the structure we dictate we want, and quick too. Very easy to deal with and friendly. Would use them again.
Ray and Julie have been really good to deal with, they got us the deal that no one else could get us, and everyone else had stuffed up. Great with communication and always fast with the follow up.
Highly recommend! Ray & Julie were fantastic to work with when refinancing our home loan. They were patient with us & always quick to respond with answers & advice we requested & thorough in making sure we got the right loan for our requirements. Thank you Switch Finance!
Highly recommend! Ray & Julie were fantastic to work with when refinancing our home loan. They were patient with us & always quick to respond with answers & advice we requested & thorough in making sure we got the right loan for our requirements. Thank you Switch Finance!
Eghard and Julie were wonderful, their experience and knowledge combined with their excellent client service ensured a smooth home loan experience for first-time home owners in Australia. We are now the proud owners of our dream property and the Switch Finance Team were instrumental in getting us there!
Had an excellent experience with Ray and Julie with my home loan. They were quick to find a suitable lender and made the whole process seamless and easy. Thanks for your help!
Always great dealing with Ray and Julie and such a personalised and wonderful service from Switch Finance. Thanks guys - Lorina
My family and I have been working with Ray and the Switch Finance team for well over a decade. They have consistently given me the best deals on my home loans and go above and beyond in their customer service. Switch helped me get my first mortgage/home loan as a first home buyer. They made the whole process so much easier, helping me with the complex paperwork...something none of the banks really go out of their way to do. I was also pleasantly surprised at how many different loan products they compare. I felt like they really took my personal situation into account and found the right loan for me! The big banks don't offer anywhere near the same level of variety. Make sure you book a consultation with them if you are a first home buyer or refinancing your loan. Thanks Switch Finance Team.
My wife and I have worked with Ray for many years. His team at Switch Finance have been a pleasure to work with and we always have full confidence that our mortgage is in good hands with these guys. Highly recommended!
Ray, Julie and the whole Switch team worked patiently with my wife and I over a long period as we considered many properties before finally finding our new home. They worked very hard to get us the best deal and I'm recommending Switch Finance to all our friends because I know they will be looked after.
Thanks so much guys!
Byron and Adele
Thanks so much guys!
Byron and Adele
Leanne and I would like to thank Ray & Julie and the entire Switch Finance team. It was very smooth and hassle free dealing with Switch and today we settled on our house. I recommend Switch Finance to anyone looking for property finance new or refinancing.
Thank you again
Ian &Leanne
Thank you again
Ian &Leanne
Very helpful and straight up from the get go with a great understanding of the best way to structure things to suit your circumstances. Highly recommend.
Huge thank you to Ray and his awesome team.
Awesome people, highly recommended
Awesome people, highly recommended
Eghard and team were wonderful looking after us at such a stressful time! We most certainly would not have gotten our house settled without him! Thanks Eghard!
Ray and Julie from switch finance were a pleasure to deal with they kept me informed throughout the whole process and i would highly recommend them they are awesome and will work relentlessly to get you the best possible outcome
I have known Ray for many years. Truly passionate about helping his clients.
Exceptional service received from Ray and Julie. Ray is trustworthy, analytical, super organised, has amazing attention to detail and is very Knowledgeable. He returns phone calls and to date has given great advice. Cannot fault the professionalism or service received.
As a first time investor I was nervous about the finance process and had no idea where to start. From the get go Ray and Julie were fantastic. Always happy to answer my many questions and went above and beyond every time. I can’t thank you both enough. With service like yours I know my future finance needs will always be covered. Thanks again!
Ray is a 'one in a million' finance broker as he takes the time to explain all positives and negatives from multiple lenders. Furthermore Ray is confident and experienced enough to let you know if you are potentially going down the wrong track or over committing yourself. Lastly, I now regularly use Ray to bounce off investments ideas as he always leans on the conservative side to balance out my view.
We have been dealing with Ray since we landed in the Gold Coast some 10 years ago! First Finance guy we met with and glad we did. Hence we are still dealing with him 10 years later. He's trustworthy and puts in the extra mile. Thank you Ray for all your effort and time over the last 10 years and thank you for sorting our recent great mortgage rate and my car loan!
My husband and i have been using Ray since we first landed in Australia some 10 years ago, for all our personal and investment loans. We had difficulty as new residents to the country to get any kind of finance even though we had bought over a substantial amount of money. Our first dealings with Ray were quite daunting as we were new to everything and we hoped we would find someone we could trust so early on. Lucky we found Ray, he was trustworthy and so we made a good choice. Now 10 years on and we are still dealing with him. Thank you Ray for being trustworthy and we both thank you for all your effort and time you put in everytime we have dealings with you. I would highly recommend Ray Dib for your finance requirements.
Don't go anywhere else for finance.
SWITCH today!
We did and it was made easy, real easy.
Cheers to Ray and team.
SWITCH today!
We did and it was made easy, real easy.
Cheers to Ray and team.
I couldn't be more happy with Ray and Juliet! They have been a great help to our first home purchase- from sourcing financiers in a tight time frame to post settlement inquiry, everything was fantastic. Exceptionally enthusiastic and passionate people who know what they are doing. Definitely going back and recommending them to anyone I know.
Thanks to the professionalism, diligence and speed of Ray and the team at Switch Finance, we were able to secure our home! We made an offer on a property with no funds readily available to an unconditional loan in well less then a week!! I won't use anyone else. Great support and advice!! We very much look forward to working with Switch Finance again in the future!
Regards
Brendan
Regards
Brendan
My experience with Ray and the staff from first phone conversation to after settlement has been outstanding. Ray has provided to us a structure and product to allow us to achieve investments for our future with no stress. Highly recommend Ray at Switch Finance. Thanks Julie and David
We vigorously negotiate credit options, terms and rates, comparing 28+ lenders to find just the right fit, be it with a single institution or with loans spread across various lenders to attain the best outcome, with access to rates that are not advertised.
