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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.

0421 621 028

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

Bobby Yang

Bobby Yang

FINANCE ENGINEER

Dip FP & CERT IV Finance
Credit Rep. 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.

0432 485 807

Mike Hall

Mike Hall

FINANCE ENGINEER

ACMA GCMA Dip FMBM
Credit Rep. No: 531727

Originally from the North of England, Mike’s career has seen him in commercial CFO roles working for world-class chemical companies, small SME clients and financial consulting.

Living on the Gold Coast for 15 years, Mike has since attained brokerage qualifications to offer clients a broader scope of knowledge and experience, with proven exceptional results.  His business acumen and professionalism are apparent, and he is looking to fully understand your financial position when achieving the right, tailored financial solution.

Mike continues to run a virtual CFO business whilst also supporting clients achieve their financial requirements and lending needs.

0418 453 674

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

FINANCE ENGINEER

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

Certificate IV F&MB
Credit Rep. No: 531372

A passionate and enthusiastic Gold Coast local, Joshua believes that the best mortgage brokers are, like him, well rounded, with broad life experience that stretches beyond just the scope of finance credentials. Wise beyond his years, he prides himself on being a genuine people person, understanding real-world issues and needs.

Joshua is a creative, kind soul with a life-long passion for drumming (the drummer in the band Jeenie). After leaving The Southport School, he completed a Bachelor of Business and Journalism at UQ before becoming a classic Italian trained, qualified chef. With his innate ability to switch from right-brain creativity to left-brain analytical thinking, Joshua seamlessly transitioned from cooking to mortgage broking, obtaining a Certificate IV in Finance and Mortgage Broking – and he excels at it!

His personable demeanour combined with lateral thinking has allowed him to unlock his clients’ true ethos and goals whilst assessing their financial positions, leading to more satisfying outcomes for existing clients and new.

0458 191 594

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 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.

Rozienna

Rozienna

CLIENT SERVICES SUPPORT

Rozienna is part of our support team responsible in assisting our clients. She has a Bachelor’s Degree in Communications and has four years’ experience in client relations. From the beginning of her career, she has been immersed in communicating with clients and making sure their needs are met above all.

Having been awarded as the Best Researcher in their Class of 2017, she has a knack for problem-solving and critical thinking that helps make our clients’ experience, a smooth sailing one.

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…

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
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
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
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!
Catherine Scott
Catherine Scott
05:30 23 Jan 19
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
Huge thank you to Ray and his awesome team.
Awesome people, highly recommended
Dave Blennerhassett
Dave Blennerhassett
10:58 12 May 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
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
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
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
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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.