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Switch Finance are YOUR mortgage experts!

Bugger The Banks with Switch Finance!
If you have been with your current lender for more than 2 years, without a review, then you are definitely paying too much for your loan. Let us do a review and if, after our appraisal, we can’t save you money on your current home or investment loan…

Dinner Is On Us!*

As heard on…
Rebel FM Radio Gold CoastBeeze Gold Coast

MAKE THE CALL THAT COULD SAVE YOU $$$$APPLY NOW!

We are specialists in home and investment property lending and structure, but with hundreds of lenders to choose from, what makes Switch Finance the best mortgage broker on the Gold Coast?

  • 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.
  • We are a small business with big connections and vast knowledge that we actively share with peers and clients.
  • Our outstanding team are based on the Gold Coast and Mackay, servicing a national and international clientele.
  • 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 complexities, removing the baffling and frustrating jargon that lenders love to use to confuse, explaining and illustrating in a clear, concise way, that our customers understand.

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.
Don't Bitch Switch

*We will pay $200 for dinner at a restaurant of your choice, providing you have not already had your home loan reviewed or refinanced in the past 12 months and that you can actually qualify for finance. Transfers not included.

Our Services, tailored to suit your needs:

Switch Finance Mortgage Broker Gold Coast
  • Mortgage | Residential Home Loans

    A residential loan that’s a tailored fit for you, from a trusted, ethical mortgage broker that has your best interest at heart (not the banks). Vast knowledge, experience & an independent pool of 30+ lenders. LOANS OVER $250K NO SERVICE FEE!*

Switch Finance Refinancing Southport
  • Refinance

    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 to start living the dream!

Switch Finance Reverse Mortgage Gold Coast
  • Reverse Mortgages

    Tick off that bucket list, celebrate life or help the Grandchildren: 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.

  • Loan Top-Ups

  • Off-plan Purchases

  • Construction Lending

  • Commercial Lending / Company Loans

Switch Finance FolioPro Investment Solutions and Investment Loans Southport
  • FOLIOPRO Portfolio Structure, Property Investment Analysis and Cash Flow Reports

    Our clients love FolioPro, an in-depth analysis of their investments and loan strategy. Investment loan solutions absolutely tailored to really work for you.

  • Investment Loans

  • Investment Property Selection and Location Assistance

Switch Finance SMSF Loans Gold Coast
  • SMSF Loans

    MANAGE YOUR OWN SUPER
    Open up other avenues for property acquisition with some unique tax advantages and flexibility. We organise a limited recourse borrowing arrangement (LRBA) inside of a self managed super fund.

Switch Finance Business Equipment Loans
  • Business Equipment Loans

    Expert assistance with equipment finance, vehicle fleet, company property purchases and refinancing, development finance and cash flow/business loans.

Switch Finance Small Business Loans
  • Small Business Loans

    UP TO $250,000 – 3-24 MONTH TERMS: Super easy to apply, fast decision, 90% of applicants receive funding within 1 business day (for loans under $50K).

Switch Finance Legal Refinancing Loans Southport
  • Legal Refinancing or Purchase

    • With a Legal Will
    • Matrimonial Separation or Divorce
    • Business Partnership Separation
    We will work with your legal team to find the best solution for you.

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.

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Australian Military Bank
BOQ
Firefighters Mutual Bank
Gateway Bank
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Metro Finance
My State Bank Logo
Newcastle Permanent
Paramount Logo
Prospa Finance
Switch Finance accredited by Suncorp Bank
Teachers Mutual Bank
Thinktank Logo
Unibank
Virgin Money
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:86400
Advantedge Logo
Australian Military Bank
BOQ
Firefighters Mutual Bank
Gateway Bank
Latitidue Logo
Newcastle Permanent
Metro Finance
My State Bank Logo
Paramount Logo
Prospa Finance
Teachers Mutual Bank
Thinktank Logo
Unibank
Virgin Money
Wisr Logo
:86400

We really do go the extra mile for our clients, but don’t take our word for it, read what our customers say…

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.
Sean Lee
Sean Lee
11:27 25 Feb 21
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
Alyssa Jones
Alyssa Jones
11:08 25 Feb 21
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
Rachel Dale
Rachel Dale
04:21 25 Feb 21
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.
Anissa Paea
Anissa Paea
01:32 11 Sep 20
Punctual responses, accurate results, customer service during and after re-finance. Highly recommended
Mick Scott
Mick Scott
21:47 15 Feb 20
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.
Gabriella Beggs
Gabriella Beggs
10:04 19 Nov 19
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.
Lizan Yee
Lizan Yee
04:47 07 Jun 19
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!
Catherine Scott
Catherine Scott
05:30 23 Jan 19
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
Byron Wallace
Byron Wallace
09:35 12 Jul 18
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
Ian Salter
Ian Salter
07:26 27 Jun 18
Huge thank you to Ray and his awesome team.
Awesome people, highly recommended
Dave Blennerhassett
Dave Blennerhassett
10:58 12 May 18
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
Rod Zxr
Rod Zxr
06:34 20 Apr 18
Max Watson
Max Watson
23:33 16 Apr 18
I have known Ray for many years. Truly passionate about helping his clients.
Blake Buchanan
Blake Buchanan
23:31 16 Apr 18
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!
Terrena Wouters
Terrena Wouters
01:20 02 Dec 17
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!
Michelle Ritchie
Michelle Ritchie
05:28 17 Jan 17
Don't go anywhere else for finance.
SWITCH today!
We did and it was made easy, real easy.
Cheers to Ray and team.
Ty Dowker
Ty Dowker
06:33 08 Dec 16
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.
Thong Da Wei
Thong Da Wei
08:24 29 Feb 16
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
Brendan Pritchard
Brendan Pritchard
04:54 31 Jul 15
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
Julie Crowden
Julie Crowden
06:35 26 May 15
Nick Egan
Nick Egan
13:44 26 Sep 13
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