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

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.

Jonathan Tanttari

Jonathan Tanttari


Jonathan embarked on his professional journey in 2022, commencing his career within the industry at a small family business in Sydney. Seeking proximity to his hometown of Ballina, NSW in 2023, he made the decision to relocate with his wife & son, which ultimately led him to integrate into the Switch Finance family on the Gold Coast. 

Driven by a genuine passion for assisting individuals in achieving their financial and real estate aspirations, Jonathan approaches his work with dedication and empathy. He is deeply committed to continuous learning and growth within the finance and mortgage broking domain, constantly seeking opportunities to expand his expertise. 

Jonathan’s approach to his work is marked by a blend of focus, professionalism, and meticulous organization. These attributes, instilled in him by his father and honed through his experiences in the Pro Audio and Visual industry over the past three years, form the cornerstone of his professional ethos. 




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…

review us on
Thank you so much Joshua and Dan, we cannot recommend Switch Finance highly enough. We went into the whole process so confused and had absolutely no idea what we were doing. Joshua worked with us at every step, with so much patience and knowledge about everything. We also met with Dan to help us with all the paperwork needed, and he was so friendly and was able to explain everything in a way we could easily understand. I recommend them to all my family and friends. They were truly amazing.
We are repeat clients to Switch Finance, and this is because of the amazing job they do. They are always trying to achieve the best possible outcome for you, and support you all the way through and beyond.Thank you kindly to Ray and your team
Response from the owner: Thanks for the kind words David, it is are as a pleasure taking care of you. All the very best moving forward!
Well normally I don’t do reviews but the team at Switch Finance were amazing, getting us through bridging finance until our house sold so we could get the assistente we wanted. Helping us every step of the way and finding the best fit for our requirements. I would not hesitate in recommending them and congratulate them on their business model and how it helps newbies like us navigate the world of finance.
Response from the owner: Thanks Scott, it was a pleasure looking after both. And I will say it again, bridging finance can be stressful and I was glad we could guide and assist you through the process. Enjoy the new home!
Josh and his team, were extremely helpful with his assistance in getting our loan. He had great communication and was also professional and efficient.Highly recommend!
Response from the owner: Thanks for the great review Jimmy. All the very best!
The team at Switch are very prompt, professional and knowledgeable. We felt confident with them leading us through the daunting process of getting finance to purchase a new home whilst selling our old one. I highly recommend Ray and his team!
Response from the owner: Thank you Silvia for your kind review. Yes, bridging finance can be a stressful and daunting process that's for sure! It was an absolute pleasure assisting you and Scott through the process.
Eghard and the team at Switch were recommended to us and have helped several times with our mortgages. They have provided personalised and professional advice along with running through a number of scenarios with different lenders. They've always guided us through applications, maintained great communication and made sure we understand the process. We'll be calling Eghard next time we need a broker- highly recommended.
Response from the owner: Thanks David for your kind words. Great to hear the positive feedback and you do have a fantastic broker in Eghard. We wish you all the very best for the new year.
Ray is a 'one in a million' finance broker as he takes the time to explain all positives and negatives from multiple lenders. Furthermore, Ray is confident and experienced enough to let you know if you are potentially going down the wrong track or over committing yourself. Lastly, I now regularly use Ray to bounce off investments ideas as he always leans on the conservative side to balance out my view. I was really happy with the commercial loan and the terms Ray put in place for me.
Response from the owner: Thanks for the great review Jason, always a pleasure working with you!
Our experience with Marco was fantastic. After starting the process to purchase our first home, Marco made the process incredibly easy and provided extensive information throughout. Marco made sure we knew what to do, when to do it and what to expect throughout, whilst also being very professional, kind, reliable and knowledgeable. We definitely recommend Marco and his services!
Response from the owner: Thanks Shaye for the great review! Enjoy your new home 🙂
Ray and his team are fantastic. Our refinancing and our investment purchase was done without a hitch and quickly. Thanks Ray !
Response from the owner: Thanks Kieren for the kind words, you are always a pleasure to assist!
The team at Switch Finance were amazing. My property settlement stretched out for over a year. Ray was always on top of his game, getting me several pre-approvals and then finally with very short notice pushing the loan to settle before my property. The girls were also brilliant and nothing was too much trouble. I would highly recommend Ray and the Team from Switch Finance.
Response from the owner: Thanks Sonya for the kind words, it is always a pleasure looking after you. Cheers and talk soon!
So professional, the team went above and beyond for us. Can't thank the whole team enough for all their support and guidance. Thank you again
Response from the owner: Thanks Di, a pleasure as always assisting you and Chris.
We worked with Eghard on our home loan. He was a pleasure to work with. Our loan wasn't especially straight forward and he worked honestly and professionally with us through the issues. We really appreciated his attention to detail and quick communication.
Response from the owner: Thank you Jennifer for your review, we really appreciate it! All the very best moving forward.
Thanks to Dave at Switch Finance. This is about the sixth loan we have organised through Dave. He makes loan process seamless, and home buying so much easier. Thanks again Dave. Highly recommended.
Response from the owner: Thanks for the great review! 🙂
Joshua has gone above and beyond to help us refinance and consolidate our loans. Him and his team were always available to answer questions and worked with us to find a suitable lender. Not only has he worked miracles, he’s improved my families monthly cash flow by almost $1000 which will make a huge difference for our family. He was even able to speed up the settlement for us. Thank you Joshua for everything!
Response from the owner: Thanks Jennifer that is a great review and feedback. I'm so glad Joshua was able to improve your financial situation. All the best moving forward!
The service provided was outstanding as they made the entire process simple and easy. Would definitely recommend their services
Response from the owner: Thanks very much for your review and feedback Ronnie. All the very best moving forward!
Eghard was extremely helpful to us as first home buyers. His communication was always clear and efficient. He is very knowledgeable and happy to answer any questions with great clarification. We are so grateful for his ongoing help and professionalism.
Response from the owner: Thank you Fiona for the great review and congratulations on your first home purchase! All the best for the festive season!
Did a good job for me. Recommend 🫡
Response from the owner: Thanks for the review Sam!
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.
Response from the owner: Thank you Cindy for the great review and all the very best in your new home!
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!
Response from the owner: Thank you for the very kind words Jordan. All the very best moving forward with your new property!
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.
Response from the owner: Thanks Samuel for the awesome review! Joshua does a great job for his clients. All the best!
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
Response from the owner: Thanks so much for the kind words Michelle. As always you and Patrik are pleasure to deal with and we look forward to helping you achieve your next objective. Onwards and upwards!
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!
Response from the owner: Thank you Peter. You guys were a pleasure to deal with and hope you are enjoying your new home!
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!!
Response from the owner: Thanks for your kind words Vanessa, as always it is our absolute pleasure assisting great clients like yourself and Dane.
Ray is amazing! His whole team were so helpful and made re financing stress free. Thanks again Switch
Response from the owner: Always a pleasure Anissa! Thanks and all the very best.
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.
Response from the owner: Thanks for the great review Scott and apologies for such a late reply to your review. Cheers!
Absolutely 💯 helpful, informative, supportive, patient, and professional 👏 👍
Response from the owner: Thankyou!
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!
Response from the owner: Thanks you Angel for the awesome review! Fantastic news that Marco was able to assist you into your first home. All the very best and enjoy your new home! 🙂
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
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. 🙂
Best in the business. Honest and helpful thanks Ray and team.
Response from the owner: Thanks for your review Andrew.
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.
Response from the owner: Too kind Iain, really appreciate the great feedback. You and Jo are a pleasure to work with! Thanks again, Ray.
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.
Response from the owner: Thanks so much for the awesome review! Josh does do a fantastic job for his clients, great news you have had such a good experience. Enjoy your first home!
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.
Response from the owner: Thanks for the kind words Kat, always a pleasure looking after you!
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.
Response from the owner: Thanks Alex for the very kind words, it is much appreciated. You and Emily a great clients to have and I look forward to assisting you with your next acquisition. All the very best!
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.
Response from the owner: Thanks for your review Rae and congratulations again on acquiring your first investment property! We look forward to assisting you build your portfolio as time goes on. All the very best.
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 !
Response from the owner: Thanks for the kind words David. All the best to you and Lynn moving forward.
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 🤩
Response from the owner: Thanks Keir, I really appreciate the kind words and acknowledgement. We love helping clients through the complicated maze of finance and rapidly changing rules and policy. It is extremely rewarding to receive feedback such as yours. So glad we could assist again! All the best moving forward.
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!
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.
Response from the owner: That's great news and thanks so much for the kind words Matthew. Glad that Eghard was able to assist and put you in a better position. All the very best!
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.
Response from the owner: Thanks Ann-Louise for your kind words. So glad that you had a great experience and we wish you the very best moving forward!
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!
Response from the owner: Thanks Shaun, glad we could assist!
Thanks to Ray and his team from Switch Finance for the recent refinance of our home. An exceptional team who made the process feel easy keeping us up to date every step of the way and getting us the best result with the loan. It was a pleasure working with Ray and his team. We have used Switch finance during the last 4 years and would strongly recommend switch finance to anyone looking at loans as they can save you time, stress and money.
Response from the owner: Thanks Jason for your kind words, as always it has been a pleasure assisting yourself and Natasha again.
Ray and his team always goes above and beyond to ensure we get the best possible rates and best possible loan provider. We have used Switch Finance for the past 4 years and would not think of going elsewhere.
Response from the owner: Thanks for the kind words Michael, it is always a pleasure looking after you and Annette. Have a great Christmas!
We can not recommend Joshua from Switch Finance enough. He really is a legend! Joshua went above and beyond and has had amazing communication throughout the process for us to fulfil our dream of owning our own home. We were lucky enough to be referred to Joshua, we would love for other people to be able to benefit from his professional services too.Jo & Cam Chalmers Carrara
Response from the owner: Thanks for your review Cameron! Joshua does a fantastic job with his clients, so happy that you have had an awesome experience. All the very best.
Switch Finance are the best of the best!Marco has worked tirelessly to get me a suitable loan- he has gone above and beyond and has had outstanding communication throughout the process!Julie is always a pleasure - solving a couple of minor bumps, timely along the way!I can’t thank the Team enough for their hard work & dedication - I look forward to working with them again on my next property purchase.
Response from the owner: Thanks Jamiee, so glad we could assist.
Couldn’t recommend Josh and the team highly enough. Professional, efficient and seamless. Best finance experience made effortless and achievable. Credit to such a great team.
Response from the owner: Thanks for the great review Jordan, we really appreciate the feedback.
Extremely helpful and thorough, could not have done it without the help of Ray and the team.
Response from the owner: Thanks Madison, it was a pleasure looking after you and Mitchell.
Thanks so much to Ray and the team for their assistance with the purchase of my property. Ray was recommended to me by friends and I will definitely be recommending him to anyone I know looking for a broker. The team are very efficient and thorough and made the process much smoother then doing it on your own. Highly recommend and I will be using them again
Response from the owner: Thanks for your kind words Brittany. As always the pleasure is ours and we're pleased that the process went smoothly for you. Enjoy your new home!
As first home buyers, my partner and I are very pleased to recommend Marco as he was a pleasure to deal with throughout this experience. He has great communication and is very understanding, no question is too silly. He made the whole process very easy and we can’t thank him enough for quality work.
Response from the owner: Thank you for the awesome feedback Marley. I agree, Marco is very patient and helpful towards his clients. Congratulations on getting into the property market!

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