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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.

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.

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…

GOOGLE CUSTOMER REVIEWS

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
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
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
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
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 Vanderkolk
Nathanael Vanderkolk
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.
Nikolaos Armenis
Nikolaos 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
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

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