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Meet Our Exceptional Team

Our team provide exemplary customer service in a no-pressure environment, simplifying the complexities, removing the baffling and frustrating jargon that lenders love to use to confuse, explaining and illustrating in a clear, concise way, that our customers understand. Our team are loyal to you, the customer, not the lenders.
Ray Dib

Ray Dib

PRINCIPAL & FINANCE ENGINEER

Dip FMBM LREA
Australian Credit Licence No: 469024

Having been a self-employed business owner since 1988 and in finance since  2004, Ray has extensive experience in finance, lending and investment portfolio structure. Ray understands the needs of a business and thinks ‘outside the box’ when appraising finance for his clients, resulting in an extremely high success rate and better customer outcomes. This and his signature loan structure diagram software have him being referred clients from around the globe.

Ray is friendly, customer service focussed and speaks in layman’s terms, which clients appreciate. He has been a regular guest speaker at conferences for various property investment groups and has written articles for various property investor magazines.

+61 421 621 028

Eghard van der Hoven

Eghard van der Hoven

ACCREDITED FINANCE BROKER

Dip FMBM MEcon
Credit Representative No: 458583

Providing our clients with over 3 decades of experience, a wealth of knowledge in the financial services sector and access to a vast network of Australian lenders (traditional and the non-conforming), Eghard can offer solutions you may not have considered before.

Eghard is highly professional, customer service focussed and really knows his stuff. He proudly boasts of many repeat clients, from sole traders to large companies, who confidently return time and time again, and happily recommend his services.

+61 409 881 817

Bobby Yang

Bobby Yang

FINANCE ENGINEER

Dip FP & CERT IV Finance
Credit Representative No: 506913

Bobby has a strong background in financial planning since 2007, making the transition to Switch Finance mortgage broker in 2017 to provide a service to clients that is not evident in the banking industry. Bobby has dealt with all aspects of financial planning and brings an exceptional level of client support to our team.

+61 432 485 807

Marco Ursi

Marco Ursi

Mortgage Broker & Finance Engineer

Dip FP, Cert 4 Finance & Mortgage Broking
Credit Representative No: 519240

Marco’s finance journey began in 2017 having achieved a diploma in Financial Planning and he soon found this to be his calling.

Marco understands that every client has unique needs, drawing upon his experience of working with people from a variety of cultures across 3 countries in 3 different industries over 20+ years.

Marco has vast experience in property procurement, investment and sales spanning 20 years, so he really understands the challenges investors face while trying to grow their portfolios. He has a unique passion and desire to want truly help everyone he deals with and this is evident from the moment you meet him.

+61 472 667 318

Paul Downey

Paul Downey

FINANCE ENGINEER

Dip FMBM LREA
Credit Representative No: 520672

Paul began his career with one of the major banks in the late 80’s and has been in the finance and construction industries ever since.

He prides himself on providing professional, ethical and honest advice with a very high level of customer service. Whether you are purchasing a new home or car, consolidating and refinancing an existing mortgage, requiring business or equipment finance, Paul works hard to understand your full financial picture to get you the best finance solution for today and into the future.

Highly knowledgeable on bank lending practices and the most up to date finance offers, Paul is passionate about looking beyond the obvious to get the best outcome for his clients. His goal is to make the lending process easier, more efficient and less stressful for his clients.

+61 419 673 828

Julie Crowden

Julie Crowden

CLIENT SERVICES MANAGER

CDec

Julie was headhunted to join our team to ensure that our office provides a highly efficient, pleasurable experience for our customers. With outstanding organisational skills, Julie is also our ‘go to person’, with over a decade’s experience in processing and administration of loan applications of all types, dealing with a multitude of banks and lenders, solicitors and settlement teams.

Julie is a registered Commissioner of Declarations – very handy for clients when requiring a witness for their mortgage documents or to certify ID.

07 5532 0030

Nicky

Nicky

ADMINISTRATION & ACCOUNTS

Starting off her career in the banking industry, Nicky has a strong background working in money, finance and office administration roles. Nicky has exceptional administrative skills and has been applying her expertise to Switch Finance since 2005. In her role she offers excellent organisational and logistical support for the entire Switch Finance team.

07 5532 0030

Isabella

Isabella

Client Services Support

Isabella is an aspiring and motivated business student currently studying a Bachelor of Business at Griffith University. With experience in customer service and administrative roles, Isabella offers exceptional organisational skills for our clients. New to the finance industry, Isabella will be learning under highly experienced mentors to become advance her career in the finance industry.

07 5532 0030

Elcid

Elcid

Loans Processor

Elcid supports the team with meeting the client’s business needs. Elcid attained a Diploma in Computer Science and is equipped with a strong background in Information Technology.

Having almost a decade of experience in Sales and in the BPO industry, Elcid inherently understands that the customer is the single most valuable asset an organization can have, and is driven by unrelenting pursuit of customer-driven focus, ideals and user experience.

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…

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 French
Helen French
10:38 21 Apr 21
Formally approved…Bobby and his team at Switch Finance have gone above and beyond to get my loan approved. We initially went with one of the big four but the valuation was so low that my deposit would not have been enough. At the last minute, Bobby had to move my loan to another bank and now with a valuation that was spot on, I’m able to stop stressing and start getting ready to build my first home. I would highly recommend Bobby and Switch Finance to anyone in a heartbeat. They are professional at all times and were willing to do more than was asked to get me the right loan.
Sean Lee
Sean Lee
11:27 25 Feb 21
The biggest Thank you to Ray, Julie and Team
6 months for a Reno Loan very difficult times, banks requirements are changing nothing is easy, everything takes forever but this team didn’t stop helping, working with us and the bank. Finally the money has arrived , definitely recommend Switch Finance
Alyssa Jones
Alyssa Jones
11:08 25 Feb 21
Ray and his team recently helped us get a tricky mortgage over the line. They were very knowledgeable and all to happy to help. Their service is second to none and am so happy to recommend them to anyway. Thanks again team for all your help
Rachel Dale
Rachel Dale
04:21 25 Feb 21
Eghard and his team was great to deal with and I can highly recommend anyone at Switch Finance, great experience!! Thanks for all your help and support. Thank you Switch Finance!!
Thiago Rossi
Thiago Rossi
22:54 08 Feb 21
We have been working with Ray and his team for 13 years now and I can highly recommend dealing with anyone at Switch Finance. They go above and beyond, and are very patient people which is important when you are making big financial decisions. Thank you Switch Finance!!
Vanessa Limbach
Vanessa Limbach
00:28 13 Jan 21
Eghard and the team at Switch have just helped my partner and I secure our new home. This is the third time I've been fortunate enough to have them as part of my team. The relationship has allowed me confidence in my position when offering on property, along with extending my financial knowledge. The team are proactive in their approach, always responsive and reduce the stress of property purchase (not to be undervalued). I've recommended Switch to many of my friends and we look forward to working with them for the next one! Thanks again guys!
David Lovell
David Lovell
09:09 13 Dec 20
Thank You, Bobby! We couldn't do it without You and my accountant off course! Best service ever!
Dmitri Sofya Matvey Okunev
Dmitri Sofya Matvey Okunev
20:36 19 Nov 20
Highly recommended. Very reliable. Ray was very helpful in every step of the process. Julie and Isabelle were awesome too. So happy with their assistance in the purchase of our home.
Highly recommended. Thanks so much Ray and team for helping Josh and I with our finances.
Anissa Paea
Anissa Paea
01:32 11 Sep 20
Ray & Julie were fantastic to work with when refinancing our home loan."I will use this team again
Greg Edelman
Greg Edelman
02:57 10 Sep 20
The team at Switch Finance are fantastic. We found Paul to be very knowledgeable and professional. He always provided us with detailed and informative responses to any questions we had. Julie was also very helpful and supported us throughout the entire process. We appreciated that both Paul and Julie always kept us updated along every step of the way and we will definitely use Switch Finance again in future.
Alisha Lovelock
Alisha Lovelock
01:36 16 Aug 20
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
Kate
09:41 09 Jul 20
Ray and Julie (and the rest of the team) were a pleasure to work with. Ray was able to get finance approved for us that other brokers just could not match. Julie made the process smooth and stress free despite undertaking a complicated home refinance & construction loan in the middle of a global pandemic! We highly recommend Switch Finance. Thanks so much for your help....
Gary Newbold
Gary Newbold
23:03 28 Jun 20
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
Marco Fanning
03:48 04 May 20
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
Steven White
19:14 23 Apr 20
Couldn't recommend Switch Finance higher - Ray, Julie and Carl are a team to be reckoned with.From start to finish their attention to detail and efficiency never lacked.Switch Finance organised a great deal - even better than personal contacts I had in banks could.Give them a call today, you will be glad you did!!
Jacob Reeson
Jacob Reeson
22:42 12 Mar 20
Punctual responses, accurate results, customer service during and after re-finance. Highly recommended
Mick Scott
Mick Scott
21:47 15 Feb 20
Ray and Julie have been an awesome help for me and my partner with our finance. They were able to assist us and answer all questions we had as this was all new for us, they made it smooth and achievable process. Awesome experience and service! Would 100% recommend. Both Julie and Ray were excellent from the beginning.
Gabriella Beggs
Gabriella Beggs
10:04 19 Nov 19
Wonderful experience as always, Ray is continuously able to get us exactly the structure we dictate we want, and quick too. Very easy to deal with and friendly. Would use them again.
Lizan Yee
Lizan Yee
04:49 07 Jun 19
Ray and Julie have been really good to deal with, they got us the deal that no one else could get us, and everyone else had stuffed up. Great with communication and always fast with the follow up.
Lizan Yee
Lizan Yee
04:47 07 Jun 19
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
C Scott
05:31 23 Jan 19
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!
Catherine Scott
Catherine Scott
05:30 23 Jan 19
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
Almari Slabbert
07:15 07 Dec 18
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
Nathanael van der Kolk
04:00 18 Oct 18
Always great dealing with Ray and Julie and such a personalised and wonderful service from Switch Finance. Thanks guys - Lorina
Lola Holden
Lola Holden
00:47 21 Sep 18
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
Nik Armenis
01:53 28 Aug 18
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
Byron Wallace
09:42 12 Jul 18
Ray, Julie and the whole Switch team worked patiently with my wife and I over a long period as we considered many properties before finally finding our new home. They worked very hard to get us the best deal and I'm recommending Switch Finance to all our friends because I know they will be looked after.
Thanks so much guys!
Byron and Adele
Byron Wallace
Byron Wallace
09:35 12 Jul 18
Leanne and I would like to thank Ray & Julie and the entire Switch Finance team. It was very smooth and hassle free dealing with Switch and today we settled on our house. I recommend Switch Finance to anyone looking for property finance new or refinancing.
Thank you again
Ian &Leanne
Ian Salter
Ian Salter
07:26 27 Jun 18
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
Jethro Gulliford
21:46 18 Jun 18
Huge thank you to Ray and his awesome team.
Awesome people, highly recommended
Dave Blennerhassett
Dave Blennerhassett
10:58 12 May 18
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
Steph Murray
01:56 25 Apr 18
Ray and Julie from switch finance were a pleasure to deal with they kept me informed throughout the whole process and i would highly recommend them they are awesome and will work relentlessly to get you the best possible outcome
Rod Zxr
Rod Zxr
06:34 20 Apr 18
Max Watson
Max Watson
23:33 16 Apr 18
I have known Ray for many years. Truly passionate about helping his clients.
Blake Buchanan
Blake Buchanan
23:31 16 Apr 18
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 Joia
Lara Joia
01:57 01 Mar 18
As a first time investor I was nervous about the finance process and had no idea where to start. From the get go Ray and Julie were fantastic. Always happy to answer my many questions and went above and beyond every time. I can’t thank you both enough. With service like yours I know my future finance needs will always be covered. Thanks again!
Terrena Wouters
Terrena Wouters
01:20 02 Dec 17
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.
Greendata Managed Services Office 365 and Azure
Greendata Managed Services Office 365 and Azure
22:24 23 Nov 17
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.
Jason Rayner
Jason Rayner
07:50 08 Aug 17
We have been dealing with Ray since we landed in the Gold Coast some 10 years ago! First Finance guy we met with and glad we did. Hence we are still dealing with him 10 years later. He's trustworthy and puts in the extra mile. Thank you Ray for all your effort and time over the last 10 years and thank you for sorting our recent great mortgage rate and my car loan!
Michelle Ritchie
Michelle Ritchie
05:28 17 Jan 17
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
meg ritchie
05:24 17 Jan 17
Don't go anywhere else for finance.
SWITCH today!
We did and it was made easy, real easy.
Cheers to Ray and team.
Ty Dowker
Ty Dowker
06:33 08 Dec 16
I couldn't be more happy with Ray and Juliet! They have been a great help to our first home purchase- from sourcing financiers in a tight time frame to post settlement inquiry, everything was fantastic. Exceptionally enthusiastic and passionate people who know what they are doing. Definitely going back and recommending them to anyone I know.
Thong Da Wei
Thong Da Wei
08:24 29 Feb 16
Thanks to the professionalism, diligence and speed of Ray and the team at Switch Finance, we were able to secure our home! We made an offer on a property with no funds readily available to an unconditional loan in well less then a week!! I won't use anyone else. Great support and advice!! We very much look forward to working with Switch Finance again in the future!
Regards
Brendan
Brendan Pritchard
Brendan Pritchard
04:54 31 Jul 15
My experience with Ray and the staff from first phone conversation to after settlement has been outstanding. Ray has provided to us a structure and product to allow us to achieve investments for our future with no stress. Highly recommend Ray at Switch Finance. Thanks Julie and David
Julie Crowden
Julie Crowden
06:35 26 May 15
Nick Egan
Nick Egan
13:44 26 Sep 13

What is a Mortgage Broker and What do we do?

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 clients’ best interest. We remain impartial and unbiased towards any particular financial institution, seeking the best outcome for every single client.

Don't Bitch Switch

Switch today for a brighter tomorrow.