5.0 from 154 Reviews
Whether you are buying new equipment, upgrading existing equipment, or expanding your operations, having the right gear can make or break your business. The problem is that equipment costs money, and tying up your working capital in a single purchase is not always the smartest move. That is where Switch Finance comes in.
Switch Finance helps businesses across Australia access equipment finance options from banks and lenders across Australia, so you can get what you need without draining your cash reserves. We work with a wide panel of lenders to find finance options that suit your business needs, your budget, and your timeline.
From commercial loans to specialised equipment lending, we handle the heavy lifting so you can focus on running your business.
What Can Equipment Finance Cover?
Equipment finance is broader than most people realise. It is not just for big industrial machinery. Switch Finance can help you finance a wide range of assets, including:
If your business relies on it to operate, there is a good chance Switch Finance can help you finance it.
Finance Structures That Work for Your Business
There is no single right way to finance equipment. Switch Finance takes the time to understand your situation before recommending a structure. Some of the most common options include chattel mortgage, equipment leasing, industrial equipment leasing, and hire purchase arrangements.
A chattel mortgage means you own the asset from day one, while the lender holds a mortgage over it as collateral. This can be a tax effective equipment solution, as interest and depreciation may be claimable depending on your circumstances. Always speak with your accountant about what is tax deductible for your specific situation.
Equipment leasing lets you use the asset over the life of the lease without owning it outright. This can be a cashflow friendly approach, particularly for businesses that need to upgrade technology or replace equipment regularly to stay competitive.
Hire purchase sits somewhere in between. You make fixed monthly repayments over an agreed term and take full ownership at the end. It is a straightforward structure that many businesses find easy to plan around.
Switch Finance will walk you through each option clearly, so you can make a confident decision without the confusion.
Why Equipment Finance Makes Sense
Buying equipment outright can put serious pressure on your cashflow. Equipment finance lets you spread the cost over time, preserve your working capital, and keep your business moving. With fixed monthly repayments, you know exactly what you are paying each month, which makes it far easier to manage cashflow and plan ahead.
For businesses looking to invest in the latest technology, upgrade equipment, or improve business efficiency, equipment finance removes the barrier of a large upfront cost. You get access to plant and equipment finance, machinery finance, and more, without needing to have the full loan amount sitting in your bank account.
Switch Finance works with clients in Mackay QLD, Gold Coast, Southport QLD, Robina QLD, Tweed Heads NSW, and right across Queensland and Australia. No matter where you are based, our team is ready to help you find a finance solution that works.
If your business relies on vehicles, tools, or machinery to generate income, equipment finance could be one of the most practical financial decisions you make. Talk to Switch Finance today and let us help you get the equipment your business deserves.
1. Intro Call
Your lending specialist will be in touch to arrange a short call to understand your situation and goals, and to confirm which documents you'll need.
2. Client Centre
You'll receive a secure invitation to our Client Centre to enter your details, complete our Needs Analysis, consent to a credit check, and upload documents. Most clients finish in around 10-15 minutes. Have your ID, payslips and bank statements handy. If downloading statements is a hassle, we can arrange Open Banking access to retrieve them securely.
3. Assessment & Recommendations
Your broker will review everything and prepare tailored lending recommendations, then walk you through the options in a follow-up call or meeting.
4. Loan Application
If you'd like to proceed, we'll issue the compliance documents and application forms for signing before submitting to the lender.
Your Data Security
Protecting your information is a priority at Switch Finance. All client data is securely encrypted, we use two-factor authentication, and our systems are regularly audited to meet industry security standards.
If you have any questions at any stage, please don’t hesitate to contact us.
Your broker will be in touch shortly to arrange the quick introductory call.
I honestly can't recommend Josh and the team at Switched Finance enough. From start to finish they were all fantastic. Finding finance and buying a new home can be so stressful and Josh was there every step of the way, answering every email and panicked phone call. If you are looking for a mortgage broker, look no further!
dean trevorrow
Would highly recommend Switch Finance if you’re looking for a home loan. We worked with Josh, who was great throughout the whole process and made buying our first home much less stressful. He was always happy to answer our questions, kept us updated, and made everything easy to understand. Thanks again, Josh!
Ryan Darker
Joshua Oates at Switch Finance was absolutely fantastic throughout the entire process. He went above and beyond to find a finance solution that worked for my situation, rather than just taking the standard approach. His persistence, knowledge, and willingness to explore every option made all the difference. Communication was excellent from start to finish, and I always felt supported and well informed. I highly recommend Josh and the team at Switch Finance to anyone looking for a mortgage broker who genuinely cares about getting the best outcome.
Gustavo Junqueira
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.
Jethro Gulliford
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
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.
meg ritchie
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!
Steph Murray
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.
Nik Armenis
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
Always great dealing with Ray and Julie and such a personalised and wonderful service from Switch Finance. Thanks guys - Lorina
Lola Holden
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 J
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 🚗💨
Steven White
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 van der Kolk
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
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!
Kate
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.
Marco Fanning
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
Helen
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.
Christofer Fabian Widjaja
Ray & Julie were fantastic to work with when refinancing our home loan."I will use this team again
Greg Edelman
Thank You, Bobby! We couldn't do it without You and my accountant off course! Best service ever!
Dmitri Sofya Matvey Okunev
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.
Jens Schroeder
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!
Ruthie Ann
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.
Funky Feline
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!
Ginta Barham
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 enough Thanks 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.
YOUNGIE - Google
Great service and very experienced team!
Sue Johnston
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.
Shannon Johnston
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
Richard Lamont
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 !
SHEILA PATHIRANA
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!
Daniel Corsalini
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.
Pietro Delpechitra
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.
Gary Faint
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.
Jordon Thomas
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.
Michael Cassar
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
Cameron Chalmers
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.
Jamiee Bowers
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
B Watts
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.
Marley Nicholls
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.
Ann-Louise McDonell
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.
Matthew Williams
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 !
David Price
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!
Shaun Fyfe
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.
Jason Reberger
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 🤩
Keir Douglas
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.
Kat
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.
Alex Price
Ray is amazing! His whole team were so helpful and made re financing stress free. Thanks again Switch
Nissa Jones
Absolutely 💯 helpful, informative, supportive, patient, and professional 👏 👍 …
cheerful buzzy
Jo and I would like to extend our deepest thanks to Ray and the team at Switch Finance for their ongoing support and guidance with our all our investment financing. The Switch team always makes sure that we understand all the timeline and milestone requirements and flag any requirement that needs to be completed in a timely manner to establish and manage our new loans as well as the ongoing transitional relations with our new mortgage / finance providers. Additionally, the Switch team is always ready to provide the best options to suit, and always available, whether by phone, mobile or email in a friendly and helpful manner. Jo and I can highly recommend, refer, and thoroughly endorse Ray and the team at Switch Finance as the Gold Coast’s go to mortgage brokering, home loans and business lending specialists.
Iain Martin Blakey
Joshua from Switch Finance was absolutely incredible. As a first home buyer and sole trader he guided me through the mortgage process seamlessly. Josh was super responsive, sensible and explained everything very clearly and realistically. Very thankful to have worked with him and would recommend his services to anyone.
novasoma photography
Great people who explain the process very efficiently. Have always used SWITCH and always will. For a process that can get stressful, they make it as streamlined as possible. When banks and co are hard to find a solution from, SWITCH is always available to help even after settlement.
Scott Sattler
Josh and Daniel went above and beyond to assist me and my partner in obtaining finance on our property. They were able to meet all deadlines in a timely fashion and were able to ensure our bank was prepared for settlement well before the settlement date, which helped to minimise our stress. They communicated with us and our solicitors every step of the way, and they were always ready to answer any questions we had regarding the process. Highly recommend their services!
Jordan Gregory
Patrik Ošust
Thank you to Ray, Bella and the rest of the 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!
Peter Spinda
We were profoundly satisfied with the service we received from Joshua Oates. Friendly, approachable and professional - we felt confident at every moment of our dealing with him. I have already recommended him to a number of our friends. We intend to engage his services again in the future when required.
Samuel Leveridge
We highly recommend Ray and his team for any financial advice and processes. This is the 3rd time we have worked with Ray, and once again, from start to finished the experience was so effortless (for us!), our needs heard, questions explained and answered, and outcome successful. Ray is so knowledgeable, professional, and patient, always took time to simplify any quiries we had. Next on the cards is another investment property, and we will definitely be using Ray and Switch again. Highly recommend. Thank you so much :) - Michelle and Patrik
Michelle Osust
We have been working with Ray and his team for 16 years now. I can highly recommend dealing with anyone at Switch Finance. They go above and beyond and are very patient people. Thank you Switch Finance!!
Vanessa Limbach
Eghard was extremely helpful to us as first home buyers. His communication was always clear and efficient. He is very knowledgeable and happy to answer any questions with great clarification. We are so grateful for his ongoing help and professionalism.
Fiona Stewart
Joshua has gone above and beyond to help us refinance and consolidate our loans. Him and his team were always available to answer questions and worked with us to find a suitable lender. Not only has he worked miracles, he’s improved my families monthly cash flow by almost $1000 which will make a huge difference for our family. He was even able to speed up the settlement for us. Thank you Joshua for everything!
Jennifer Trevorrow
Amanda Barnes
Thanks to Dave at Switch Finance. This is about the sixth loan we have organised through Dave. He makes loan process seamless, and home buying so much easier. Thanks again Dave. Highly recommended.
FunnyGoatsBand
Did a good job for me. Recommend 🫡 …
Sam Macmillan
The service provided was outstanding as they made the entire process simple and easy. Would definitely recommend their services
Ronnie Jose
Our experience with Marco was fantastic. After starting the process to purchase our first home, Marco made the process incredibly easy and provided extensive information throughout. Marco made sure we knew what to do, when to do it and what to expect throughout, whilst also being very professional, kind, reliable and knowledgeable. We definitely recommend Marco and his services!
Shaye Wooderson
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. I was really happy with the commercial loan and the terms Ray put in place for me.
Jason Rayner
Ray and his team are fantastic. Our refinancing and our investment purchase was done without a hitch and quickly. Thanks Ray !
Kieren Parton
The team at Switch Finance were amazing. My property settlement stretched out for over a year. Ray was always on top of his game, getting me several pre-approvals and then finally with very short notice pushing the loan to settle before my property. The girls were also brilliant and nothing was too much trouble. I would highly recommend Ray and the Team from Switch Finance.
Sonya Nocon
So professional, the team went above and beyond for us. Can't thank the whole team enough for all their support and guidance. Thank you again
Di Enright
We worked with Eghard on our home loan. He was a pleasure to work with. Our loan wasn't especially straight forward and he worked honestly and professionally with us through the issues. We really appreciated his attention to detail and quick communication.
Jennifer Gunnell
Eghard and the team at Switch were recommended to us and have helped several times with our mortgages. They have provided personalised and professional advice along with running through a number of scenarios with different lenders. They've always guided us through applications, maintained great communication and made sure we understand the process. We'll be calling Eghard next time we need a broker- highly recommended.
David Lovell
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!
Silvia Fabbri
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
David Blennerhassett
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!
Jimmy H
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.
4077sco
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.
Tobie Buckley
Easiest process I’ve been through, thanks to Josh making it such a smooth experience for us. Would recommend to anyone in the future.
Natalia !
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.
Cherie Towell
Can't recommend Ray and his team enough. Outstanding service, kept us well informed, made the whole experience seamless.
Kelly Williams
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.
Michelle White
Jade Read
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
Mark Morley
Ray and Angeline were fantastic assisting with our first home purchase. They are the ultimate professionals and quick in their responses. Highly recommend.
Tom Berkers
Excellent, honest service and made refinancing (to a much better deal) hassle free. Highly recommend.
Jake Storey
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.
Lauren Thomas
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!
Hayden
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
Saffron Davis
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.
Chloe Thompson
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.
Claire Ferguson
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.
Will Slipper
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!!
Jacob Reeson
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.
Nathan Terry
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.
Patrick Doring
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.
Jack Littlejohn
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.
Dan Oates
"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!"
Derek Muller
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.
B C
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!
Kate Boladian
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.
Scott Williams
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.
Steph Bender
Ray and the team at Switch Finance made the process of refinancing fast and stress free would highly recommend
Lisa Kreuger
I honestly can't recommend Josh and the team at Switched Finance enough. From start to finish they were all fantastic. Finding finance and buying a new home can be so stressful and Josh was there every step of the way, answering every email and panicked phone call. If you are looking for a mortgage broker, look no further!
dean trevorrow
Would highly recommend Switch Finance if you’re looking for a home loan. We worked with Josh, who was great throughout the whole process and made buying our first home much less stressful. He was always happy to answer our questions, kept us updated, and made everything easy to understand. Thanks again, Josh!
Ryan Darker
Joshua Oates at Switch Finance was absolutely fantastic throughout the entire process. He went above and beyond to find a finance solution that worked for my situation, rather than just taking the standard approach. His persistence, knowledge, and willingness to explore every option made all the difference. Communication was excellent from start to finish, and I always felt supported and well informed. I highly recommend Josh and the team at Switch Finance to anyone looking for a mortgage broker who genuinely cares about getting the best outcome.
Gustavo Junqueira
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.
Jethro Gulliford
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
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.
meg ritchie
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!
Steph Murray
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.
Nik Armenis
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
Always great dealing with Ray and Julie and such a personalised and wonderful service from Switch Finance. Thanks guys - Lorina
Lola Holden
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 J
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 🚗💨
Steven White
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 van der Kolk
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
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!
Kate
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.
Marco Fanning
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
Helen
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.
Christofer Fabian Widjaja
Ray & Julie were fantastic to work with when refinancing our home loan."I will use this team again
Greg Edelman
Thank You, Bobby! We couldn't do it without You and my accountant off course! Best service ever!
Dmitri Sofya Matvey Okunev
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.
Jens Schroeder
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!
Ruthie Ann
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.
Funky Feline
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!
Ginta Barham
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 enough Thanks 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.
YOUNGIE - Google
Great service and very experienced team!
Sue Johnston
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.
Shannon Johnston
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
Richard Lamont
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 !
SHEILA PATHIRANA
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!
Daniel Corsalini
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.
Pietro Delpechitra
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.
Gary Faint
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.
Jordon Thomas
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.
Michael Cassar
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
Cameron Chalmers
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.
Jamiee Bowers
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
B Watts
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.
Marley Nicholls
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.
Ann-Louise McDonell
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.
Matthew Williams
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 !
David Price
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!
Shaun Fyfe
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.
Jason Reberger
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 🤩
Keir Douglas
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.
Kat
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.
Alex Price
Ray is amazing! His whole team were so helpful and made re financing stress free. Thanks again Switch
Nissa Jones
Absolutely 💯 helpful, informative, supportive, patient, and professional 👏 👍 …
cheerful buzzy
Jo and I would like to extend our deepest thanks to Ray and the team at Switch Finance for their ongoing support and guidance with our all our investment financing. The Switch team always makes sure that we understand all the timeline and milestone requirements and flag any requirement that needs to be completed in a timely manner to establish and manage our new loans as well as the ongoing transitional relations with our new mortgage / finance providers. Additionally, the Switch team is always ready to provide the best options to suit, and always available, whether by phone, mobile or email in a friendly and helpful manner. Jo and I can highly recommend, refer, and thoroughly endorse Ray and the team at Switch Finance as the Gold Coast’s go to mortgage brokering, home loans and business lending specialists.
Iain Martin Blakey
Joshua from Switch Finance was absolutely incredible. As a first home buyer and sole trader he guided me through the mortgage process seamlessly. Josh was super responsive, sensible and explained everything very clearly and realistically. Very thankful to have worked with him and would recommend his services to anyone.
novasoma photography
Great people who explain the process very efficiently. Have always used SWITCH and always will. For a process that can get stressful, they make it as streamlined as possible. When banks and co are hard to find a solution from, SWITCH is always available to help even after settlement.
Scott Sattler
Josh and Daniel went above and beyond to assist me and my partner in obtaining finance on our property. They were able to meet all deadlines in a timely fashion and were able to ensure our bank was prepared for settlement well before the settlement date, which helped to minimise our stress. They communicated with us and our solicitors every step of the way, and they were always ready to answer any questions we had regarding the process. Highly recommend their services!
Jordan Gregory
Patrik Ošust
Thank you to Ray, Bella and the rest of the 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!
Peter Spinda
We were profoundly satisfied with the service we received from Joshua Oates. Friendly, approachable and professional - we felt confident at every moment of our dealing with him. I have already recommended him to a number of our friends. We intend to engage his services again in the future when required.
Samuel Leveridge
We highly recommend Ray and his team for any financial advice and processes. This is the 3rd time we have worked with Ray, and once again, from start to finished the experience was so effortless (for us!), our needs heard, questions explained and answered, and outcome successful. Ray is so knowledgeable, professional, and patient, always took time to simplify any quiries we had. Next on the cards is another investment property, and we will definitely be using Ray and Switch again. Highly recommend. Thank you so much :) - Michelle and Patrik
Michelle Osust
We have been working with Ray and his team for 16 years now. I can highly recommend dealing with anyone at Switch Finance. They go above and beyond and are very patient people. Thank you Switch Finance!!
Vanessa Limbach
Eghard was extremely helpful to us as first home buyers. His communication was always clear and efficient. He is very knowledgeable and happy to answer any questions with great clarification. We are so grateful for his ongoing help and professionalism.
Fiona Stewart
Joshua has gone above and beyond to help us refinance and consolidate our loans. Him and his team were always available to answer questions and worked with us to find a suitable lender. Not only has he worked miracles, he’s improved my families monthly cash flow by almost $1000 which will make a huge difference for our family. He was even able to speed up the settlement for us. Thank you Joshua for everything!
Jennifer Trevorrow
Amanda Barnes
Thanks to Dave at Switch Finance. This is about the sixth loan we have organised through Dave. He makes loan process seamless, and home buying so much easier. Thanks again Dave. Highly recommended.
FunnyGoatsBand
Did a good job for me. Recommend 🫡 …
Sam Macmillan
The service provided was outstanding as they made the entire process simple and easy. Would definitely recommend their services
Ronnie Jose
Our experience with Marco was fantastic. After starting the process to purchase our first home, Marco made the process incredibly easy and provided extensive information throughout. Marco made sure we knew what to do, when to do it and what to expect throughout, whilst also being very professional, kind, reliable and knowledgeable. We definitely recommend Marco and his services!
Shaye Wooderson
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. I was really happy with the commercial loan and the terms Ray put in place for me.
Jason Rayner
Ray and his team are fantastic. Our refinancing and our investment purchase was done without a hitch and quickly. Thanks Ray !
Kieren Parton
The team at Switch Finance were amazing. My property settlement stretched out for over a year. Ray was always on top of his game, getting me several pre-approvals and then finally with very short notice pushing the loan to settle before my property. The girls were also brilliant and nothing was too much trouble. I would highly recommend Ray and the Team from Switch Finance.
Sonya Nocon
So professional, the team went above and beyond for us. Can't thank the whole team enough for all their support and guidance. Thank you again
Di Enright
We worked with Eghard on our home loan. He was a pleasure to work with. Our loan wasn't especially straight forward and he worked honestly and professionally with us through the issues. We really appreciated his attention to detail and quick communication.
Jennifer Gunnell
Eghard and the team at Switch were recommended to us and have helped several times with our mortgages. They have provided personalised and professional advice along with running through a number of scenarios with different lenders. They've always guided us through applications, maintained great communication and made sure we understand the process. We'll be calling Eghard next time we need a broker- highly recommended.
David Lovell
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!
Silvia Fabbri
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
David Blennerhassett
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!
Jimmy H
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.
4077sco
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.
Tobie Buckley
Easiest process I’ve been through, thanks to Josh making it such a smooth experience for us. Would recommend to anyone in the future.
Natalia !
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.
Cherie Towell
Can't recommend Ray and his team enough. Outstanding service, kept us well informed, made the whole experience seamless.
Kelly Williams
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.
Michelle White
Jade Read
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
Mark Morley
Ray and Angeline were fantastic assisting with our first home purchase. They are the ultimate professionals and quick in their responses. Highly recommend.
Tom Berkers
Excellent, honest service and made refinancing (to a much better deal) hassle free. Highly recommend.
Jake Storey
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.
Lauren Thomas
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!
Hayden
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
Saffron Davis
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.
Chloe Thompson
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.
Claire Ferguson
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.
Will Slipper
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!!
Jacob Reeson
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.
Nathan Terry
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.
Patrick Doring
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.
Jack Littlejohn
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.
Dan Oates
"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!"
Derek Muller
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.
B C
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!
Kate Boladian
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.
Scott Williams
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.
Steph Bender
Ray and the team at Switch Finance made the process of refinancing fast and stress free would highly recommend
Lisa Kreuger
Absolutely. Buying your first home is one of the biggest financial decisions you will ever make, and it can feel overwhelming when you are not sure where to start. Switch Finance works with first home buyers regularly and we understand the questions and concerns that come with it. We can walk you through the process from start to finish, explain the different loan options available to you, and help you understand government grants and schemes that may apply to your situation, such as the First Home Owner Grant or the First Home Guarantee. We are here to make sure you feel informed and supported every step of the way.
The timeline for a home loan can vary depending on a number of factors, including the lender you apply with, the complexity of your financial situation, and how quickly documents are provided. Generally speaking, getting a pre-approval in place can take anywhere from a few days to a couple of weeks. Once you have found a property and submitted a full application, formal approval can take a similar amount of time, though this can vary. Switch Finance will keep you updated throughout the process and work to keep things moving as efficiently as possible. We will also let you know what documents you need to have ready so there are no unnecessary delays.
Here is the updated FAQ with overseas clients included:
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Does Switch Finance only work with clients in certain areas?
Not at all. Switch Finance works with clients right across Australia and with Australians living overseas. While we have strong connections with clients in Mackay QLD, the Gold Coast, Southport, Robina, and Tweed Heads NSW, we are set up to help people no matter where they are located, whether that is within Australia or abroad. We can meet with you in person if you are local, or connect with you over the phone or via video call if you are further away or living in another country. Our focus is on making sure every client gets the same level of attention and support, regardless of where they live. If you are ready to explore your lending options, we would love to hear from you.
Refinancing means replacing your current home loan with a new one, either with your existing lender or a different one. People refinance for a variety of reasons, such as looking for a loan with different features, wanting to access equity in their property, consolidating debts, or simply reviewing whether their current loan still suits their needs. Whether refinancing is the right move for you depends on your personal financial situation, your goals, and the costs involved in switching loans. Switch Finance can sit down with you, review your current loan, and help you understand whether refinancing could work in your favour. We will always be upfront about any costs or considerations involved.
While the exact documents required can vary depending on your situation and the lender, there are some common items that most lenders will ask for. These typically include proof of identity such as a passport or driver's licence, recent payslips or proof of income, your last two years of tax returns if you are self-employed, bank statements, details of any existing debts or liabilities, and information about the property you are looking to purchase. Switch Finance will give you a clear checklist of what is needed based on your specific circumstances so you know exactly what to gather before we submit your application. Being prepared with your documents can help speed up the process.
Yes, Switch Finance regularly helps self-employed borrowers. We understand that self-employed applicants often have a different financial picture compared to someone who receives a regular salary, and that some lenders can be more flexible than others when it comes to assessing self-employed income. We work with a range of lenders who have different policies around self-employed lending, and we can help identify which lenders may be suited to your situation. It is important to have your financial records in order, such as tax returns and business financials, as lenders will want to see a clear picture of your income. We will guide you through what is needed.
When you go directly to your bank, you are only seeing what that one lender has to offer. A mortgage broker like Switch Finance has access to a panel of multiple lenders, which means we can compare a much wider range of loan products on your behalf. This gives you more options and a clearer picture of what is available in the market. We also understand the lending policies of different lenders, which means we can match your situation to a lender who is more likely to look favourably on your application. On top of that, we handle the time-consuming parts of the process so you do not have to.
Switch Finance can help with a wide range of lending needs. This includes home loans for owner-occupiers, investment property loans, refinancing existing loans, construction loans, and loans for self-employed borrowers. We also assist with car finance, personal loans, and commercial lending. Whether you are just starting out and buying your first home, looking to grow a property portfolio, or wanting to consolidate debt, we can have a conversation about your situation and explore what options may be available to you. Our team works with clients across Australia, including those based in Mackay, the Gold Coast, Southport, Robina, and Tweed Heads.
Here is the updated FAQ with fees acknowledged:
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How is Switch Finance paid for its services?
Switch Finance is typically paid a commission by the lender when a loan is settled. However, we do also charge fees on certain transactions and products, which we will always explain to you clearly before proceeding. We are required by law to be transparent about how we are paid, so our full commission structure and any applicable fees will be disclosed to you upfront. Our goal is to act in your interests at all times, which is a legal obligation under the best interests duty that applies to mortgage brokers in Australia. You can feel confident knowing that we are focused on finding a loan that suits your situation, not just one that benefits us.
A mortgage broker acts as the go-between for you and a wide range of lenders. Rather than spending your own time approaching banks and lenders one by one, Switch Finance does the legwork on your behalf, and quite a lot of it.
The process starts with getting a clear picture of your financial situation. We take the time to understand your income, expenses, goals, and borrowing capacity before anything else. From there, we search across our panel of lenders, which includes major banks, second-tier lenders, and specialist lenders, to find loan options that are genuinely suited to your circumstances.
But it does not stop at finding a loan. We help you understand the differences between loan structures, interest rate types, repayment options, and features like offset accounts or redraw facilities, so you can make an informed decision rather than just taking whatever is put in front of you.
Once you have chosen a direction, we manage the application process from start to finish. That means handling the paperwork, coordinating with the lender, chasing up any outstanding requirements, and keeping you updated at every stage so there are no surprises.
Whether you are buying your first home, purchasing an investment property, or looking to refinance an existing loan, having a broker involved can save you time, reduce stress, and open up options you may not have found on your own.
Switch Finance works with businesses across Australia to find equipment finance solutions that fit. Speak with one of our experienced brokers and find out what your business could access.
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