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Get A Free Assessment Now On Your Borrowing and Purchase Capacity!

Looking for the right loan? At Switch Finance, we pride ourselves on providing honest, obligation-free assessments for all types of loans – whether it’s a home loan, business loan, or any other loan you may need.

We are loyal to YOU, not the lenders and there are generally NO FEES for customers on loans over $250,000* as we are paid a commission by the banks. *We beleive in transparency, you can view our fees here.

Our team of experienced mortgage brokers are here to help you navigate the complex world of lending and find the perfect solution for your needs.

So fill out the simple form below to get your free assessment underway, and let us show you why we are the trusted choice for borrowers from the Gold Coast, Brisbane to Mackay.

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

Our Mission

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

Our Guarantee

We are loyal to our clients and always act in our every client’s best interest. We remain impartial and unbiased towards any particular financial institution, seeking the best outcome for every single client.

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

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