Meet Our Exceptional Team

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.
0421 621 028

Eghard van der Hoven
ACCREDITED FINANCE BROKER
Dip FMBM MEcon
Credit Rep. 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.
0409 881 817

Marco Ursi
Mortgage Broker & Finance Engineer
Dip FP, Cert IV F&MB
Credit Rep. 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.
0472 667 318

Paul Downey
MORTGAGE BROKER
Dip FMBM LREA
Credit Rep. 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.
0419 673 828

Joshua Oates
FINANCE ENGINEER
Cert IV F&MB
Credit Rep. No: 531372
Josh is a passionate and well-rounded mortgage broker, assisting first home buyers, sophisticated property investors and everyone in between nationwide. Josh ensures that his clients are well educated prior purchasing property or refinancing, as he wants his clients to feel confident in their decision-making process and set themselves up for success.
With an eye for long-term investing, Josh spends a lot of his time building a roadmap for his clients to achieve their goals. Whether it be a first home buyer wanting to build a property portfolio or an existing property investor looking to add to their portfolio, Josh aims to understand each individual’s true desires and keep them moving towards their long-term goals.
0458 191 594

David Freeman
MORTGAGE & FINANCE BROKER
Dip FP, Dip FMBM
Credit Rep. No: 450335
Australian Credit Licence No: 469024
David Freeman is a full accredited member of the Finance Brokers Association of Australia (FBAA). The FBAA is a peak industry body that provides a strict code of practice that finance professionals must adhere to.
David is a qualified financial services professional (since 2005) and has previous experience employed by accounting firms to offer financial planning and finance services to clients. David’s qualifications include a Diploma of Financial Services (Financial Planning) and a Diploma of Finance and Mortgage Broking Management.
David is a highly experienced, honest, reliable, and qualified finance professional. He is passionate about helping his clients gain financial literacy and ensure they can achieve their finance goals.
0451 485 540

Bella Dib
MORTGAGE BROKER
Cert IV FMB, BBus, CDec
Credit Rep. No: 575839
Bella Dib is an accredited Mortgage Broker with Switch Finance, based on the Gold Coast. She holds a Bachelor of Business, a Certificate IV in Mortgage Broking and Finance, and is also a Commissioner for Declarations, providing clients with an added level of professionalism and trust.
Bella began her career with Switch Finance in 2020 as a Loans Processor, where she built a strong foundation in loan structuring, lender policy, and application management. From 2023 to 2024, she progressed into the role of Mortgage Broker Associate and Operations Manager, working closely with brokers and clients to deliver efficient, compliant, and well-structured lending outcomes. This end-to-end experience has given Bella a deep understanding of the lending process and the importance of attention to detail at every stage.
Now an accredited Mortgage Broker, Bella is highly customer service focused and a true people person, known for her approachable manner and genuine commitment to her clients. She prides herself on building strong relationships and ensuring clients feel supported, informed and confident throughout their lending journey. Bella combines this people-first approach with a high level of professionalism and attention to detail to deliver tailored lending solutions.
0481 599 554

John Hughes
MORTGAGE BROKER
CA, BCom
Credit Rep. No: 576881
With a background as a Chartered Accountant and extensive experience in credit risk, John brings a highly analytical approach to residential and commercial lending.
He began his career at KPMG in Deal Advisory before moving into Credit Risk at Macquarie Bank in Sydney. As the primary Credit Risk Manager for securitisation and fund finance, John developed deep expertise in assessing and structuring complex lending scenarios.
John combines this technical knowledge with a practical, client-focused approach, helping clients navigate lending with clarity and confidence. He is committed to building long-term relationships and delivering tailored finance solutions that support his clients’ property goals.
0433 737 100

Tracy Ferreira
MORTGAGE BROKER
Cert IV FMB, Cert IV FS
Credit Rep. No: 578189
Tracy brings a practical, client-focused approach to mortgage broking, supported by a strong background of over 15 years in financial management and bookkeeping.
As a qualified Mortgage Broker and BAS Agent, Tracy has extensive experience working with clients to understand their financial position, manage cash flow, and make informed financial decisions.
Tracy is an accredited member of the Finance Brokers Association of Australia (FBAA), an industry body that upholds a strict code of conduct and professional standards for finance professionals. She is committed to making the lending process clear and straightforward, guiding clients through each step and helping them secure solutions that genuinely suit their circumstances.
She is known for her attention to detail, clear communication, and ability to build long-term relationships based on trust and reliability.
0414 475 721

Dan Oates
MORTGAGE BROKER
Cert IV FMB, BCom, CDec
With hands-on experience across every stage of the lending process, Dan knows how to structure deals properly from the outset. He understands lender policy, how applications are assessed, and what it takes to get approvals through without unnecessary delays or back-and-forth.
Starting behind the scenes before moving into a client-facing role, Dan brings a practical, end-to-end understanding that translates into smoother, faster outcomes.
Backed by a Bachelor of Commerce (Finance & Economics), he combines technical knowledge with a straightforward, solutions-first approach.
With a background in sales at the Gold Coast Titans, Dan understands the importance of building genuine relationships, clear communication, and delivering results.
Clear, responsive, and detail-focused—Dan’s priority is simple: get it done properly the first time.

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

Elcid
Support Team Coordinator & Training Manager
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.

Angie
Loans PROCESSING SUPPORT
BSBA
Angie brings 3+ decades of valuable experience in all facets of accounting and administration from numerous senior roles ranging from Accounting Analyst to Accountant, spanning multiple industries, from small businesses to large multinational corporations. In addition to a Bachelor of Science in Business Admin (Accounting), she trained in Compliance, Corporate Governance and Taxation, and Signature Analysis and Forgery Detection. Angie has wide-ranging expertise and a comprehensive understanding of business transaction intricacies, ensuring close attention to detail and efficient work practices.

Lemuel
Compliance Officer & Client Support
BCompSc
Lemuel holds a Bachelor’s degree in Computer Science. He’s been handling Inventory Analytics and Management in the shipping and logistics industry since 2007. In his role as Warehouse Supervisor (for one of the largest inter-island movers of passengers and cargo in the Philippines), Lemuel was responsible for Inventory Management Distribution with a team of 13 employees. He was also the 2IC Safety Officer. His experience in data processing, analytics and reporting makes him a valued addition to the Switch Finance team.

Emilie
LOANS PROCESSING SUPPORT
BSc (Mathematics & Computer Applications)
Emilie, a graduate of Bachelor of Science in Mathematics with a minor in computer applications, brings a strong academic foundation in mathematical principles and computer applications. With 15 years of experience in shipping documentations, logistics coordination, and finance operations supervision, including a supervisory role overseeing a team of 20 full-time staff members, Emilie has gained valuable insights into diverse cultural perspectives and innovative work practices through collaboration with global clients. Her comprehensive training in Lean Six Sigma methodology has further enhanced her expertise in process improvement. Emilie takes pride in efficiently accomplishing tasks within deadlines and specializes in project management, finance, and process improvement.

Jestoni
CLIENT SERVICES SUPPORT
Jestoni is a skilled professional with extensive experience in virtual assistance, customer service, sales, and lead generation. He has excelled in operations management, client engagement, and team collaboration across various roles. Jestoni’s strengths lie in communication, organisation, and problem-solving, making him a valuable asset in customer-focused environments.

Orson
LOANS PROCESSING SUPPORT

Abigail
LOANS PROCESSING SUPPORT
Gail is an administrative support specialist with over 15 years of experience, known for providing practical solutions and sharing her knowledge in team coordination, project management, and client relations. She anticipates client needs, enabling leaders to focus on high-level decisions, strategy, and operations.
She maintains a strong focus on long-term goals while paying close attention to details and potential bottlenecks, ensuring efficient and high-quality results. Gail understands the importance of balancing established work practices with evolving processes to stay effective in today’s fast-paced environment, delivering value to employees, management, and clients alike.
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…
How Do We Pick The Right Lender?
Our Mission
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.