We are YOUR mortgage experts!

Why should you contact us?

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.

After our appraisal, if we can’t save you money on your current home or investment loan, DINNER IS ON US!*

*This offer is available to applicants that can qualify for finance (i.e. sufficient equity and income to meet current lending criteria) and that have not already refinanced within the last 12 months. We will pay $100 to the restaurant of your choice.

Don't Bitch, Switch!

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 our clients.  Our outstanding team, based on the Gold Coast, servicing an international clientele, really does seek the best outcome for every single client. Our reputation attests to that.

Our Services

  • Mortgage | Residential Home Loans
  • Refinance
  • Reverse Mortgages
  • Investment Loans
  • Investment Property Selection and Location Assistance
  • FOLIOPRO Portfolio Structure, Property Investment Analysis and Cash Flow Reports
  • Off-plan Purchases
  • Business Equipment Loans
  • Small Business Loans
  • Construction Lending
  • Self-Managed Super Funds (SMSF)
  • Commercial Lending / Company Loans
  • Refinance or Purchase with a Legal Will or Matrimonial Separation
  • Loan Top-Ups

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.

We seek the best outcome for every single client.

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.

Switch today for a brighter tomorrow

Switch Finance FBAA Accredited Member

Our Mission

To provide solutions and outcomes in line with our clients’ aspirations and goals, taking a long term view of their objectives, rather than short-term savings. We love to educate our clients, so they are empowered, thus protecting them from the claws of institutional greed.

Now, even more than ever, you need someone you can trust in the toughest credit environment this generation has experienced.


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!*

CALL (07) 5532 0030


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.



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



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.

CALL (07) 5532 0030


Divorce, separation, business partnership separation - we will work with your legal team to find the best solution for you.

CALL (07) 5532 0030


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

CALL (07) 5532 0030


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!


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


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.
Lizan Yee
Lizan Yee
04:49 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!
C Scott
C Scott
05:31 23 Jan 19
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!
Almari Slabbert
Almari Slabbert
07:15 07 Dec 18
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!
Nathanael Vanderkolk
Nathanael Vanderkolk
04:00 18 Oct 18
Always great dealing with Ray and Julie and such a personalised and wonderful service from Switch Finance. Thanks guys - Lorina
Lola Holden
Lola Holden
00:47 21 Sep 18
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.
Nikolaos Armenis
Nikolaos Armenis
01:53 28 Aug 18
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!
Byron Wallace
Byron Wallace
09:42 12 Jul 18
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.
Lara Joia
Lara Joia
01:57 01 Mar 18


Our Exceptional Team

Ray Dib

Ray Dib


Dip FMBM LREA | Australian Credit Licence No: 469024

With over 15 years’ experience in finance, lending and investment portfolio structure and 30 years as a business owner and franchisee, Ray understands the needs of a business. Ray thinks ‘outside the box’ when appraising finance for his clients, resulting in an extremely high success rate and better customer outcomes. This and his signature loan structure diagram software have him being referred clients from around the globe.

Ray is friendly, customer service focussed and speaks in layman’s terms, which clients appreciate. He has been a regular guest speaker at conferences for various property investment groups and has written articles for various property investor magazines.

+61 421 621 028


Eghard van der Hoven

Eghard van der Hoven


Dip FMBM MEcon | Australian Credit Licence No: 458583

Providing our clients with 30 years of experience, a wealth of knowledge in the financial services sector and access to a vast network of Australian lenders (traditional and the non-conforming), Eghard can offer solutions you may not have considered before.

Eghard is highly professional, customer service focussed and really knows his stuff. He proudly boasts of many repeat clients, from sole traders to large companies, who confidently return time and time again, and happily recommend his services.

+61 409 881 817


Bobby Yang

Bobby Yang


Dip FP & CERT IV Finance | Credit Rep. of Ray Dib Financial Services Pty Ltd Australian Credit licence No 469024

Bobby has a strong background in financial planning, making the transition to mortgage broker to provide a service to clients that is not evident in the banking industry. With 10 years of experience, having dealt with all aspects of financial planning, Bobby brings an exceptional level of client support to our team.

Being a newly accredited finance specialist, Bobby will be looking forward to the challenges ahead, building and servicing his own client base with the Switch Finance team.

+61 432 485 807


Marco Ursi

Marco Ursi

Mortgage Broker & Finance Engineer

Dip FP, Cert 4 Finance & Mortgage Broking | Credit Representative No: 519240

Marco’s finance journey began in 2017 having achieved a diploma in Financial Planning and he soon found this to be his calling.

Marco understands that every client has unique needs, drawing upon his experience of working with people from a variety of cultures across 3 countries in 3 different industries over 20+ years.

Marco has vast experience in property procurement, investment and sales spanning 20 years, so he really understands the challenges investors face while trying to grow their portfolios. He has a unique passion and desire to want truly help everyone he deals with and this is evident from the moment you meet him.

61 472 667 318


Julie Crowden

Julie Crowden


CDec | Australian Credit Licence No: 469024

Julie was headhunted to join our team to ensure that our office provides a highly efficient, pleasurable experience for our customers. With outstanding organisational skills, Julie is also our ‘go to person’, with 10 years’ experience in processing and administration of loan applications of all types, dealing with a multitude of banks and lenders, solicitors and settlement teams.

Julie is a registered Commissioner of Declarations – very handy for clients when requiring a witness for their mortgage documents or to certify ID.

07 5532 0030


We vigorously negotiate credit options, terms and rates on behalf of the client comparing 28+ lenders to find just the right fit for you, 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.