Loan Health Check

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