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


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, awarded Commonwealth Bank's Elite Broker status
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Eghard van der Hoven

Eghard van der Hoven


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


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


Cert 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

Bella Dib

Bella Dib


Cert IV FMB, BBus, CDec

Bella began working for Switch Finance in 2019 as a Loans Processor and Client Support Officer, where she truly learned the critical foundations and understanding of the Mortgage Broking industry.

In 2021 Bella stepped up into a higher role as Broker Support Officer, assisting our brokers with packaging some of their deals’ more analytical, complex aspects.
Bella constantly challenges herself through upskilling and continuous training in courses to hone her skills within the industry. In 2021 Bella also completed her bachelor’s degree in business, is registered as a Commissioner for Declarations (cDec) and is finalising her Diploma of Finance and Mortgage Broking Management.

She is now excited and eager to step into the mortgage broker role; with her experience, education and incredible attitude towards work and customer service, she will be an amazing broker.

07 5532 0030

David Freeman

David Freeman


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




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

Dan Oates

Dan Oates


BCom (Economics & Finance)

Dan is a graduate of Griffith University holding a bachelor’s degree in Commerce, majoring in Economics and Finance. With experience working for the Gold Coast Titans Consumer Business Team, he knows the importance of meeting clients’ needs and the value of exceptional customer service. In Dan’s role, he offers attention to detail, organisational skills, and a friendly approach to any client. While new to the Finance Industry, Dan is a keen learner and will be working with astute personnel within the business to progress his career.




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 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.



LOANS PROCESSing support


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.




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.

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 could not recommend Switch Finance enough! Eghard has been fantastic and helping us every step of the way from the moment we decided we would want to buy our first house until settlement.
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!
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.
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
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!
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!!
Ray is amazing! His whole team were so helpful and made re financing stress free. Thanks again Switch
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.
Ray and his team are fantastic. Our refinancing was done without a hitch and quickly. Thanks Ray !
Absolutely 💯 helpful, informative, supportive, patient, and professional 👏 👍
My fiancé & I had been dreaming about buying our first family home for years. We recently contacted Marco from Switch Finance (after a glowing referral from my parents) to discuss what actions we had to take to reach our goal of being able to secure a home loan thinking we would not quite be there at this point. However we were assured that it could be possible for us to apply now. After weeks of back and forth with the banks were finally approved!! :DAll thanks to Marco & the Switch team. We couldn’t fault them at all, we were kept in the loop with everything and any questions we had were answered almost instantly. Thanks so much guys!
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 TeamI and N SalterGold Coast
Best in the business. Honest and helpful thanks Ray and team.
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.
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.
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.
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.
As always Ray, Bella and the rest of the team have done a very good job.This time they helped us buy our first investment property. They were very reliable and has assisted in every step. Will definitely use them again and again.
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 !
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 🤩
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!
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.
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.
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!

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.

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