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Switch Finance specialises in home loans, investment property lending and structure, and business lending. 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.
We provide tailored solutions in line with your long-term goals, not just short-term savings.
Join the thousands of happy customers who have already made the switch.
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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.
Our Services
We are ethical and we detest injustice. 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…
Ray and Bella are the epitome of professional. Super knowledgeable, and experienced. They made refinancing a home loan an absolute breeze. Cannot recommend them enough.
This must be the fourth or fifth time now I have used Switch Finance and it has been a seamless experience every time. Ray and his team takes the time to understand what your needs are and presents options. He will be frank and realistic with you on what is achievable and they always make the loan process seem faultless. I have never had any concerns that the proposed loan is not going to be approved, because Ray does the homework to make sure everything lines up with lenders requirements. I anticipate I will be seeking additional Investment lending in the near future and I will most certainly be going straight back to the team at Switch Finance.
As always Ray, Bella and the rest of the team have done a very good job.This time they helped us buy our first investment property. They were very reliable and has assisted in every step. Will definitely use them again and again.
We have used Ray and his team many times and will continue to do so. Totally professional and they really do have your best interests first and foremost. Wouldn't go anywhere else !
Jackie and I are simple mum'n'dad investors. We first met Ray back in 2011 as members of TIC (The Property Club) long before he created the Switch Finance Team. He set up a number of interlinked loans so we could invest in real estate to fund our retirement. I remember the loans clerk at the bank saying he had NEVER seen a loans set up like it. That loan structure worked wonderfully well for more than a decade. Ray brokered mortgages for all our new property purchases, finding us lenders as the government was making it increasingly difficult for little people like us to borrow for investment.Now here we are nearing retirement with inflation going crazy and once again Ray Dib has astounded us; arranging re-finance of our debt; saving us years of work and tens of thousands of dollars each year.I recommend trusting Ray and his team at Switch. His "never give up" attitude has helped us achieve our goal with time to spare: a financially independent retirement.Thanks Raymond 🤩
I would give this company six stars if I could. They go out of their way to assist you all the time. What a great company. They have helped me with over six loans now, and always consistent in communication, performance and reliability. Thanks Ray and the team!
Eghard and the team at Switch were fantastic from start to finish. My partner and I were one of the many that purchased our property three years ago during the very low interest rate period, and our locked in rate came to a very sudden end with our rate doubling overnight. Switch Finance were great at showing us our options and as a result we were able to save a significant amount on our mortgage repayments and also unlock some equity so that we can get some renovations done around the house. Highly recommend Eghard and the team at Switch Finance.
Recently we refinanced with Switch. Josh and the team were an absolute pleasure to deal with. They were professional, Polite, Patient and hardworking. I could not have asked for more.
Ray and his team were great. Got me approved with little hassle where Aussie Home Loans could not. Would use Ray and Switch again for sure!
Thank you to Ray and his team for their recent assistance and guidance. Absolutely fantastic service, it is a pleasure to work with such a team of professionals.I highly recommend Switch Finance to others!
Thanks to Ray and his team from Switch Finance for the recent refinance of our home. An exceptional team who made the process feel easy keeping us up to date every step of the way and getting us the best result with the loan. It was a pleasure working with Ray and his team. We have used Switch finance during the last 4 years and would strongly recommend switch finance to anyone looking at loans as they can save you time, stress and money.
Ray and his team always goes above and beyond to ensure we get the best possible rates and best possible loan provider. We have used Switch Finance for the past 4 years and would not think of going elsewhere.
We can not recommend Joshua from Switch Finance enough. He really is a legend! Joshua went above and beyond and has had amazing communication throughout the process for us to fulfil our dream of owning our own home. We were lucky enough to be referred to Joshua, we would love for other people to be able to benefit from his professional services too.Jo & Cam Chalmers Carrara
Switch Finance are the best of the best!Marco has worked tirelessly to get me a suitable loan- he has gone above and beyond and has had outstanding communication throughout the process!Julie is always a pleasure - solving a couple of minor bumps, timely along the way!I can’t thank the Team enough for their hard work & dedication - I look forward to working with them again on my next property purchase.
I searched the Gold Coast to find the best mortgage broker and finally found Switch Finance. They got the loan sorted in record time, they were quick and efficient with communications and an absolute pleasure to deal with. The took the time to understand my situation and also what my future might look like. Thank you guys, much appreciated.
Couldn’t recommend Josh and the team highly enough. Professional, efficient and seamless. Best finance experience made effortless and achievable. Credit to such a great team.
Extremely helpful and thorough, could not have done it without the help of Ray and the team.
Thanks so much to Ray and the team for their assistance with the purchase of my property. Ray was recommended to me by friends and I will definitely be recommending him to anyone I know looking for a broker. The team are very efficient and thorough and made the process much smoother then doing it on your own. Highly recommend and I will be using them again
As first home buyers, my partner and I are very pleased to recommend Marco as he was a pleasure to deal with throughout this experience. He has great communication and is very understanding, no question is too silly. He made the whole process very easy and we can’t thank him enough for quality work.
Many thanks to Ray and his team for their friendly, professional service dealing with a rather involved process. I strongly recommend Ray to anyone needing financial brokerage assistance.
We really appreciate the service offered by Joushua , it was top class, He was with us in every step of way guided us perfectly until the end. He is super friendly, polite and courteous. He rather took the burden off from us he basically did everything for us, he gives feed back and communicates very well, He is really an Asset to Switch Finance,.wish him all the very best..
My experience dealing with Joshua was first class. He took a tough job with a smile and delivered on every word. I look forward to maintaining a relationship with Joshua and recommend him highly!
Joshua and the entire team of Switch finance has been very helpful in achieving our dream of owning our first home. The tedious process was made easy by Joshua. He was very understanding of the challenges that came our way and worked out a solution that we will be comfortable with.Thumbs up to Joshua and the team !
Had a great experience with our mortgage broker Joshua. Him and the team at Switch went above and beyond to get everything over the line for our finance, which turned out to be in the midst of interest rates rising and conditions changing everyday. Very grateful, as we were purchasing a property that we know will change our lives.
First, we would like to thank Joshua Oates for surpassing our expectations in our journey of getting our first home in Australia. Joshua has been exceptionally helpful, patient and caring in getting our home. He is very professional and knowledgeable, and he can make things possible even when things can be difficult. We have recommended him and Switch Finance to our family friends who are wanting to get their home as well. To all families out there, look nowhere, contact Joshua and you won't regret it.
We recently worked with Paul Downey from Switch Finance for topping up our existing mortgage to purchase a new home. They also helped with the transfer of our current mortgage to the new place.Paul was amazing with helping us through this process.In general, everything that could have gone wrong did to wrong with the transaction did, but Paul and the team at Switch Finance were the one party involved that we could rely on to get things done, know all the answers and coordinate with the right people.We are very happy with the service provided, will certainly use them again if needed and have already referred them on to other people.
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!!
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
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!!
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!
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!
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!!
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.
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!
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.
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!
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.
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.
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.
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.
