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.

0421 621 028

Ray Dib, Commonwealth Bank Platinum Broker
Switch Commercial Finance Logo
Eghard van der Hoven

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Orson

LOANS PROCESSING SUPPORT

Orson is a seasoned professional with more than 20 years of experience in logistics, warehousing, and operations management. He has successfully led large teams through complex transitions, including warehouse relocations and system upgrades, ensuring efficiency and reliability at every stage. Known for his disciplined approach and attention to detail, Orson brings a strong commitment to service quality and operational excellence. His leadership and problem‑solving skills help create seamless processes that support client satisfaction and the firm’s long‑term growth.
Abigail

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…

They were amazing, really helped us through the entire process and went above and beyond for us, they even talked to the rest of our team, always available, regularly checked up on us and honestly I don't think I could have bought my first house anywhere near as cleanly without them. John particularly was an absolute champion, I felt very well cared for with him on our team. - Luke Koenig
Response from the owner:Thanks for the great review Luke and congratulations on your first property purchase! All the very best.
I could not recommend Switch Finance enough! Eghard has been fantastic and always very helpful.
Response from the owner:Thank you Cindy for the great review and all the very best in your new home!
recommends
Amazing team! Have dealt with Ray and his team over the years and have just bought another house with them. I live on Brisbane Northside and the process was still very easy. Great communication, very knowledgeable and the whole team are beautiful to deal with in general. I would definitely recommend!
Amazing team! Have dealt with Ray and his team over the years and have just bought another house with them. I live on Brisbane Northside and the process was still very easy. Great communication, very knowledgeable and the whole team are beautiful to deal with in general. I would definitely recommend!
Response from the owner:Thank you for the lovely review, Danielle, it is much appreciated. It is always our pleasure here at Switch Finance assisting wonderful and appreciative clients such as yourself. Enjoy the new home!
It's been a pleasure working with the Switch Finance team. Always helpful and speedy, they just make it easy.
Response from the owner:Thanks for your kind review Mareile, and it is always a pleasure dealing with you too!
recommends
⭐⭐⭐⭐⭐ We have used Switch Finance and Ray Dib’s amazing team several times now, and they always deliver. Their experience, knowledge, communication and ability to get things done is second to none. We are absolutely thrilled with the latest addition to our portfolio and couldn’t be happier with the outcome. Well done Switch — we’ll definitely be back again. Thank you, N & I Salter Gold Coast
We love working with Ray and his team at Switch Finance, their dedication and experience is why they get the results. We have used them before and couldn't be happier. If you're looking for finance brokers (not just any finance brokers) look no further than you found them. Thanks again Switch Team I and N Salter Gold Coast
Response from the owner:Thanks Ian and Nicole for the kind words. You are both a pleasure to deal with. All the best moving forward. 🙂
Have just worked with Eghard again and this time on multiple refinances as well as a new loan. This round was more complicated than our first time working together, but we had no doubts at all and Eghard delivered above and beyond. Nothing was too hard and his relaxed approach helped keep everyone on track and well informed. Definitely can recommend and hopefully will get to work together again one day!
Response from the owner:Thanks for the great review, Alistair. Yes, nothing seems to faze Eghard! All the best with your next deal.
I would give this company six stars if I could. They go out of their way to assist you all the time. What a great company. They have helped me with over six loans now, and always consistent in communication, performance and reliability. Thanks Ray and the team!
Response from the owner:Thanks Bruce! Always a pleasure working with you. All the best with the new office!
recommends
We’ve had the pleasure of working with Ray and the team at Switch Finance for over 8 years now, and we honestly couldn’t recommend them more highly. Over the years, they’ve supported us through multiple stages — from purchasing our home, refinancing, and most recently securing a construction loan for our newly built house. Every experience has been seamless and stress-free. Ray has always gone above and beyond to find the best possible deal for us, taking the time to explain our options and making sure we felt confident every step of the way. His professionalism, knowledge, and genuine care really set him apart. It’s rare to find a team that’s not only highly skilled but also such a pleasure to work with. We’re incredibly grateful for their ongoing support and wouldn’t hesitate to recommend Switch Finance to anyone looking for trustworthy and expert mortgage advice.
We’ve had the pleasure of working with Ray and the team at Switch Finance for over 8 years now, and we honestly couldn’t recommend them more highly. Over the years, they’ve supported us through multiple stages , from purchasing our home, refinancing, and most recently securing a construction loan for our newly built house. Every experience has been seamless and stress-free. Ray has always gone above and beyond to find the best possible deal for us, taking the time to explain our options and making sure we felt confident every step of the way. His professionalism, knowledge, and genuine care really set him apart. It’s rare to find a team that’s not only highly skilled but also such a pleasure to work with. We’re incredibly grateful for their ongoing support and wouldn’t hesitate to recommend Switch Finance to anyone looking for trustworthy and expert mortgage advice.
Response from the owner:Thanks Shannon, it has always been a pleasure looking after you both over the years. Thanks for the very kind words and all the best moving forward!
⭐⭐⭐⭐⭐ I recently worked with Switch Finance to organise my refinance, and I couldn’t be happier with the experience. From start to finish, the team was professional, responsive, and genuinely committed to getting me the best outcome. They took the time to explain everything clearly, kept me updated throughout the process, and made what could have been a stressful experience feel smooth and straightforward. Their attention to detail and willingness to go the extra mile really stood out. Highly recommend to anyone looking for reliable and knowledgeable support with refinancing or home loans!
Response from the owner:Thanks for the wonderful review, Aaron, so pleased that you had a great outcome. All the best!
Ray was thorough, always available & the most knowledgable finance broker we have ever used. We would never use anyone else. Thank you so much
Response from the owner:Thanks for the great review Paul, much appreciated. All the best with your future endeavours.
Marco has been so good/awesome at helping me through what ended up being a nightmare with ANZ. CANNOT recommend enough 👍👍
Response from the owner:Thanks for the great review Denis! Great news that Marco was able to assist 🙂
No messing around. Josh has assisted us with refinancing our current home and was very open and honest with us with our options and fought for us to get the best deal. Would highly recommend him to my family and friends when the time comes that they are to purchase property.
Response from the owner:Thanks for the great review Sabrina! Josh does do a fantastic job for his clients. All the best 🙂
Ray and the team handled our property purchase with absolute ease and made us feel secure the whole time.
Response from the owner:Thanks for your kind words Matt. You guys have always been a pleasure to deal with. All the best completing your renovations.
Great people to deal with! Constantly making sure everything is on track and flowing smoothly! Will definitely be using these guys again in the future!
Response from the owner:Thanks Harrison for the kind words. We look forward to assisting you again in the future.
Marco helped me secure my home loan in Mackay and made the whole process feel manageable and achievable. He kept me well informed, checked in regularly, and was always available to talk things through. I really appreciated Marco's support, guidance and calmness through what can be a stressful process. Would highly recommend from my experience.
Response from the owner:Thanks for the wonderful review Mitchell. Enjoy your new home!
Ray and his team once again provided exceptional service. Ray is thorough and very clear on what can and can't be achieved. We have used Switch Finance on many occasions and referred many family and friends over the years. Thanks again Ray!!!!
Response from the owner:Thanks for the kind words, Darren, always a pleasure looking after you. Until the next time keep well!
Excellent service. Thank you Eghard
Response from the owner:Thanks for the review Craig!
Great experience dealing with the team. Marco is very professional and his customer service is unmatched
Response from the owner:Thanks for the awesome review Kaani!
Ray and his team, do an amazing job in getting you the right loan. I've had them help me twice once with my residential property and once with my commercial property and they not only find you the best loan they also educate you along the way. I would highly recommend anyone who's looking to buy a commercial loan or a business loan to go through ray and his team
Response from the owner:Thanks for your review Kim! All the best with your new commercial investment property.
Ray and the team at Switch Finance are super responsive, going above and beyond every single time. Can not recommend highly enough. Excellent advice, brilliant service.
Response from the owner:Thanks for your kind review, Tim. You guys are always a pleasure to deal with and super responsive. Enjoy your new home!
I had a great experience with switch finance. The team really went above and beyond to make me feel like I was there main priority. I Will only be using them in the future.
Response from the owner:Thanks for the review, Jake and so glad you had a great experience with our team. We look forward to being able to assist you again soon.
recommends
Josh from Switch Finance was friendly, professional and eager to provide help and advice along the house buying journey. Switch Finance genuinely helped us save hundreds of dollars a month on our home loan.

How Do We Pick The Right Lender?

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.

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