Switch Finance – when experience matters!

Your trusted Lending Experts, servicing all of Australia.

Get Pre-Approved NOW!



Simple Process



Obligation-Free

Start here, and we will be in contact very soon:

David Freeman

MORTGAGE & FINANCE BROKER

Dip FP, Dip FMBM
Credit Rep. No: 450335
Australian Credit Licence No: 469024

David Freeman has been working in financial services since 2005, bringing years of hands-on experience and practical insight to every client relationship. Over the years, he’s worked with respected accounting firms, helping individuals and families with both financial planning and lending solutions tailored to their unique needs.

He holds a Diploma of Financial Services (Financial Planning) and a Diploma of Finance and Mortgage Broking Management, and is a fully accredited member of the Finance Brokers Association of Australia (FBAA) – an industry body recognised for its commitment to ethical standards and professionalism. David is approachable, trustworthy, and deeply knowledgeable.

He takes pride in making finance easy to understand, and is passionate about guiding his clients toward greater financial confidence and long-term success. His focus is always on building genuine relationships and supporting people in reaching their goals – whether it’s buying a home, growing wealth, or simply making smarter financial choices.

0451 485 540

At Switch Finance, experience isn’t just an advantage—it’s the difference between an average deal and the best possible outcome.

We specialise in home loans, investment property lending, and business finance, structuring solutions that don’t just save money today but build long-term financial success.

With a team based in the Gold Coast, Brisbane, and Mackay, we assist clients across Australia and beyond. We understand the complexities of lending, so you don’t have to—streamlining the process and delivering results that align with your financial goals.

When the right decision matters, experience matters more.
Make the switch today!

Call 07 5532 0030

VIDEOS

07 5532 0030

Our Services

Switch Finance Mortgage Broker Gold Coast

Home Loans

A residential mortgage tailored for you, from an independent pool of over 30 lenders. Chat now with our award winning mortgage brokers team.
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. Refinance now.

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).

Quick Apply

Corporate Commercial and Industrial Loans

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.

Switch Finance Reverse Mortgage Gold Coast

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.

Construction and Off Plan Purchase Finance

Off-Plan Purchases & Construction Lending

Our support team will help manage the progress payments to the builder until completion.

Unlocking Financial Freedom, One Property at a Time.

Financial freedom starts with the right strategy. Whether you’re purchasing your first home, upgrading, or expanding your investment portfolio, the right lending decisions can shape your future. At Switch Finance, we simplify the process, take away the stress, and tailor solutions that align with your long-term goals. With expert guidance and a clear strategy, you can focus on what really matters—building a secure and prosperous future.

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

Excellent

Another great experience with Switch Finance, achieving results well beyond our expectations, that has set us up to access options for the future. Dan and Ray were extremely helpful and took the time to get to know our requirements and vision. We have lost count of how many times we've engaged Switch Finance to manage our brokering needs and the experience just gets better every time. We'll be back again soon no doubt!

Response from the owner:Thanks for the kind review Emily, always a pleasure looking after you and Alex. We look forward to assisting with your next venture!

pauljoia41

Couldn't ask more of Ray, he is the best in the business. Being dealing with Ray for the last 10 or more years and Ray has always provided nothing but the best. Thanks Ray.

Response from the owner:Thanks Paul, you are too kind! It’s always a pleasure looking after you and Lara; looking forward to the next venture. Cheers

Rae S.

We have been going to Switch Finance for all our loan needs and this time Ray and Dan have been very helpful. Will definitely use them again in the future.

Response from the owner:Thanks for your review Rae and congratulations again on acquiring your first investment property! We look forward to assisting you build your portfolio as time goes on. All the very best.

Kate W.

Exceptional Service for Complex Lending Needs

I had a fantastic experience working with Ray Dib and the Switch team for a particularly complex lending situation. From the outset, they demonstrated deep expertise, patience, and a genuine commitment to finding the best solution tailored to my circumstances. They navigated multiple layers of financial requirements with ease and kept me informed every step of the way. What could have been a stressful process was made smooth and efficient thanks to their professionalism and attention to detail. Highly recommend to anyone needing expert guidance on challenging finance scenarios!

Response from the owner:Thanks for your kind words, Kate. I agree, it was a very complex scenario and so glad we were able to assist you achieving your objectives. I don’t know about the description “with ease” but if that’s how it felt to you then I am absolutely delighted! 😊 Onwards and upwards for your next venture.

René G.

We had a very good service with Eghard. He was always available to answer our questions and providing good advices. We strongly recommend Switch Finance.

Response from the owner:Thank you, Rene, for your review. So glad you had a great experience with Eghard. All the very best.

Mitchell & Madison B.

Ray and the Team at Switch Finance, have been amazing in helping us Buy and Sell properties over the past few years. A special thank you to the team throughout this one and helping us obtain our dream home. Angeline we would like to thank you for bringing everything together in the final hours and getting it across the line.

HIGHLY recommend Switch Finance

Response from the owner:Thanks for the kind words, Mitch and Madison. We are so glad that the home is finished and by the sounds of it has turned out beautifully. I look forward to coming and having a look! And I agree, Angie worked tirelessly insuring we met the deadline for construction. All the very best moving forward.

Angel R.

Marco & his team have been absolutely fantastic! We went through Marco to purchase our first home 2 years ago & we’re so happy with his services that we have now gone through Switch Finance with Marco again to assist us on getting an equity loan. Marco has been fantastic in answering all of our questions & messages (even outside of business hours) and made us feel like a huge priority. We are hoping to buy an investment property this year - so we will be back 😄
Thank you so much to the whole team at Switch!

Response from the owner:Thanks you Angel for the awesome review! Fantastic news that Marco was able to assist you into your first home. All the very best and enjoy your new home! 🙂

Khushboo S.

We had a great experience from start to end. He was always available whenever we had any query or needed advice. He made the whole process smooth . Definitely satisfied. Highly recommend

Response from the owner:Thanks for your kind review Khushboo. You and Ajay were always a pleasure to deal with during the whole process. I look forward to assisting with your next investment property!

Kate M.

Fabulous service - Open, honest and caring! Happy to answer a thousand questions and make the process simple from start to finish!

Response from the owner:Thanks for the wonderful review Kate, so glad to hear you had such a great experience.

Darren B.

Ray and his team once again provided exceptional service. Ray is thorough and very clear on what can and can't be achieved. We have used Switch Finance on many occasions and referred many family and friends over the years. Thanks again Ray!!!!

Response from the owner:Thanks for the kind words, Darren, always a pleasure looking after you. Until the next time keep well!

dave B.

Hey everyone. Ray and his team helped me to get a home loan under extremely difficult circumstances when I believe no other team could have. We were thwarted at every turn but persistence and tenacity won the day.He was recommended to me by a good friend who ray also helped out of an extremely difficult situation when it seemed nobody else could. Thanks Ray

Response from the owner:Thanks for the great review, David. It certainly was a challenging one that’s for sure! I’m glad we were able to achieve success and get you that property were so keen to get your hands on. All the best moving forward.

Alistair R.

Eghard and the team were simply awesome. Very easy to deal with, prompt and proactive, and solution focussed, there was no doubt he had our best interests in mind every step of the way. We threw in a few curveballs along the way but Eghard didn't even flinch and kept on moving forward. We are already planning to be working with him again very soon!

Response from the owner:Thanks for the great review, Alistair. Yes, nothing seems to faze Eghard! All the best with your next deal.

Nayara T.

I can't recommend Josh Oates highly enough! He worked with me for more than two years, patiently guiding me through the complex world of home buying. I was initially overwhelmed and full of fear, but Josh's expertise and unwavering support made the process manageable and even enjoyable. He's incredibly dedicated, passionate about delivering the best for his clients, and truly goes the extra mile. He literally changed my life and I am forever grateful. If you're looking for a broker who genuinely cares and will be there every step of the way, Josh is the perfect choice.

Response from the owner:Thanks you for the great review Nayara! Congratulations and so glad that Josh had made your experience so enjoyable. All the very best in your new home.

Karla and Melvin Q

Thank you Ray for your advice and expertise, and always being able to help us out when all banks and other brokers couldn't help us.
100% recommended!
-Karla and Melvin

Response from the owner:Thanks for your review Karla and Melvin. Glad we could assist again and all the best moving forward!

Bryan S.

Ray and the Switch team handled our downsize, an apartment purchase and house sale, short timelines in between. There is always some issue, but Ray the the Switch team resolved the issues and moved us through the process. Really happy with their work. Highly recommend.

Response from the owner:Thanks Bryan, yes bridging finance can be stressful! As always you and Tez are a pleasure to work with. Enjoy the new home!

Melanie L.

Eghard is knowledgeable, efficient, and friendly. He explained everything clearly and kept me updated every step of the way. I highly recommend!

Response from the owner:Thanks for the great review Melanie!

Lisa K.

Ray and the team at Switch Finance made the process of refinancing fast and stress free would highly recommend

Response from the owner:Thanks Lisa, always a pleasure working with you ☺️

Derek M.

"We recently refinanced our home loan with Switch Finance, and the experience was truly exemplary from start to finish. The team was professional, knowledgeable, and went above and beyond to ensure everything went smoothly. They patiently answered all our questions, provided clear and concise information, and guided us through every step of the process. We couldn't be happier with the service we received and highly recommend Switch Finance to anyone looking for top-notch financial services. Thank you for making what can often be a stressful experience so seamless and pleasant!"

Response from the owner:Thanks for the kind words, Derek it was a pleasure looking after you and Patricia. Looking forward to assisting you with the next one!

Kate B.

Fantastic service! Our experience with Ray and the team at Switch Finance was incredibly smooth. He made sure we understood all options available to us and made us feel calm throughout the entire process. Highly recommend!

Response from the owner:Thanks, Kate, for the wonderful review. Always a pleasure looking after your family and I think you have purchased a fantastic property that will do very well moving forward. All the very best.

Scott W.

Switch Finance (Josh and Lemuel) were excellent in helping us through the process which included a significant rate reduction to improve our cash flow and maximise our loans. Thanks team Switch.

Response from the owner:Thanks Scott for the wonderful feedback! That is a great result, all the best moving forward.

B C

Ray and the team at Switch finance achieved what other brokers couldn't. He didn't just use a computer program to work out my serviceability but actively used his contacts in the finance world to achieve a result for me. He worked with a determination and professionalism I have rarely experienced in the finance world to get the outcome I was seeking. Not only did he secure finance where others failed, his communication and willingness to go that extra length to ensure my needs were met, was a standout. Switch Finance is a professional, client focused broker that I could only highly recommend.

Response from the owner:Thanks, Brendon, for the great review and kind words. We always find it very satisfying and rewarding when we can assist somebody with a difficult and challenging transaction and this one did not disappoint! All the very best moving forward.

Steph B.

This is the third time we have used David Freemans services. We couldn't recommend David more! He always ensures all of his clients have top quality service.

Response from the owner:Thanks so much for the great review, Steph!

Paul U.

Ray was thorough, always available & the most knowledgable finance broker we have ever used. We would never use anyone else. Thank you so much

Response from the owner:Thanks for the great review Paul, much appreciated. All the best with your future endeavours.

Jack L.

Thank you Ray and the whole of the switch team for all your support firstly with our purchase and then with the refinance. Fast, efficient and great processes makes for a seamless experience.

Response from the owner:You're very welcome Jack! Thanks for the kind words 🙂

Will S.

Ray and his team were fantastic. They were with us every step of the way making our first house purchase very easy and smooth.

They would respond to all our emails and calls in a very quick time frame and were very proactive when time was not on our side.

Response from the owner:Thanks Will, always a pleasure taking care of you and Jess. Congratulations again on your first home purchase which will no doubt set you up for the future. All the best!

Jacob R.

Once again Ray and his team at Switch Finance have proved they are clear leaders in the industry.
You will be satisfied knowing your deal is in safe hands with Switch.
Give them a call today, you will be glad you did!!

Response from the owner:You are always a pleasure to look after Jacob!

Patrick D.

Ray and his associates were very helpful throughout the whole process. I feel happy with the outcome of the home loan. I would recommend Ray and his team for their personal approach to clients.

Response from the owner:Thanks Patrick, congratulations again on your first home purchase!

Nathan T.

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.

Response from the owner:Thanks Nathan, very kind. As always, it's a pleasure looking after you!

Dan O.

Ray and his team worked tirelessly to make sure my purchase was seamless and as stress free as possible. I'd recommend Switch Finance to my friends and family.

Response from the owner:Thanks Dan, congratulations on your first home purchase!

Lauren T.

We recently refinanced our home loan with Dave. We had a fantastic experience and we highly recommend him. He is very knowledgeable and efficient. The process felt very streamlined and communication was above and beyond.

Response from the owner:Thanks for your kind words Lauren. We agree with you, Dave is very knowledgeable and a fantastic broker. All the very best!

Hayden

It's been an absolute pleasure and breeze working with Marco & the team from switch. They took all the stress out of the equasion & did all the heavy lifting to find the best deal for me & my family. 10/10!

Response from the owner:Thanks, Hayden, for the great review! Glad, you had a great experience. All the best moving forward.

Jake S.

Excellent, honest service and made refinancing (to a much better deal) hassle free. Highly recommend.

Response from the owner:Thanks for your kind words and fantastic review Jake! It was a pleasure working with you.

Chloe T.

We had Josh Oates help us with arranging our finance. I would highly recommend Josh at Switch finance because he was very attentive to us, ensured his communication was top notch and guided us through all the paperwork. We are very happy with the service provided and will be choosing Switch finance again in the future.

Response from the owner:Thanks for your kind words and fantastic review Chloe! All the very best moving forward.

Claire F.

This is our second time working with Eghard and his team. Honestly, I wouldn’t trust anyone else with finding us the right product. We refinanced 3 of our properties with him this time and he is especially adept at “hard cases”. The first time he found us our 2 Australian home mortgages, we were both living and working in the US (and my husband is self employed to boot). You can imagine the challenge that presented! Eghard is a pleasure to work with and is a super communicator. If you need to find someone that can work miracles for you… Eghard is the man! Our loan wasn't especially straight forward this time either (interest rates are still high) and he worked hard to find us the best deal with still a unique set of financial positions. When interest rates come down significantly again we will be returning a third time to work with him. Guaranteed.

Response from the owner:Thanks, Claire, for your fantastic review! It certainly did sound like Eghard had his work cut out for him but as you have realised, he is very good at his craft. We look forward to taking care of you again soon.

Saffron D.

Marco Ursi came highly recommended by a mutual friend.
Right from the start we were impressed by Marco's attention to business along with his friendly manner that instilled confidence in his ability to secure a loan for a property we had our hearts set on.
Marco fulfilled all our expectations and more.
The team at Switch finance were also very helpful and courteous at all times.
We are extremely grateful too Marco and the team for all their diligence in securing the loan and would highly recommend them to anyone that is looking for a professional and knowledgeable team

Response from the owner:Thanks so much for the wonderful review, Saffron! Great to hear you had such a good experience. All the best to you moving forward.

Mark M.

Raymond Dibb offers an exceptional service in helping to gain access to extra Funds for your needs. I would have No hesitation in Recommending Ray & his team in your search of finance for any size Loan you may require

Response from the owner:Thanks for your review, Mark is much appreciated. All the very best with your next move!

Cherie T.

I had a very smooth and fast experience when applying for a home loan with Switch Finance. I would highly recommend Ray Dib and his amazing team at Switch Finance to anyone requiring a personal loan. Ray Dib went above and beyond to help me out, and I am so grateful. I am now in my own home and could not be happier. Thankyou Ray and your wonderful team at Switch Finance.

Response from the owner:Thank you, Cherie, for the kind words. You're very welcome and congratulations on getting onto the property ladder. All the very best moving forward.

Gracey U.

Eghard was fantastic and provided exceptional service and support throughout the entire process, which made purchasing my first home such a smooth process.

Response from the owner:Thanks Gracey for the awesome review. So glad that you had a great experience purchasing your first home, enjoy!

Michelle W.

Joshua and the team at Switch were amazing ! They were very patient with us and quick to answer any questions we had. They exceeded our expectations and made the whole process easy. Joshua/Elcid and Emillie are the dream team for sure! Thank you from the White Family.

Response from the owner:Thanks, Michelle for the fantastic review! I must agree with you, we do have an amazing team. All the very best.

Kelly W.

Can't recommend Ray and his team enough. Outstanding service, kept us well informed, made the whole experience seamless.

Response from the owner:Thanks for the great review, Kelly. Glad we could assist and hope all goes well with your renovations!

Tom B.

Ray and Angeline were fantastic assisting with our first home purchase. They are the ultimate professionals and quick in their responses. Highly recommend.

Response from the owner:Thanks Tom for the kind words. You guys were a pleasure to deal with and I wish you all the best with your first home purchase!

Natalia !

Easiest process I’ve been through, thanks to Josh making it such a smooth experience for us. Would recommend to anyone in the future.

Response from the owner:Thanks for the great review Natalia! 🙂

Tobie B.

Thank you so much Joshua and Dan, we cannot recommend Switch Finance highly enough. We went into the whole process so confused and had absolutely no idea what we were doing. Joshua worked with us at every step, with so much patience and knowledge about everything. We also met with Dan to help us with all the paperwork needed, and he was so friendly and was able to explain everything in a way we could easily understand. I recommend them to all my family and friends. They were truly amazing.

Response from the owner:Thanks for the great review Tobie! Enjoy your new home 🙂

David B.

We are repeat clients to Switch Finance, and this is because of the amazing job they do. They are always trying to achieve the best possible outcome for you, and support you all the way through and beyond.
Thank you kindly to Ray and your team

Response from the owner:Thanks for the kind words David, it is are as a pleasure taking care of you. All the very best moving forward!

4077sco

Well normally I don’t do reviews but the team at Switch Finance were amazing, getting us through bridging finance until our house sold so we could get the assistente we wanted. Helping us every step of the way and finding the best fit for our requirements. I would not hesitate in recommending them and congratulate them on their business model and how it helps newbies like us navigate the world of finance.

Response from the owner:Thanks Scott, it was a pleasure looking after both. And I will say it again, bridging finance can be stressful and I was glad we could guide and assist you through the process. Enjoy the new home!

Jimmy H

Josh and his team, were extremely helpful with his assistance in getting our loan. He had great communication and was also professional and efficient.
Highly recommend!

Response from the owner:Thanks for the great review Jimmy. All the very best!

Silvia F.

The team at Switch are very prompt, professional and knowledgeable. We felt confident with them leading us through the daunting process of getting finance to purchase a new home whilst selling our old one. I highly recommend Ray and his team!

Response from the owner:Thank you Silvia for your kind review. Yes, bridging finance can be a stressful and daunting process that's for sure! It was an absolute pleasure assisting you and Scott through the process.

More Reviews

Our network of banks and lenders

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.