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

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

Mike Hall

Mike Hall


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

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

Angela Nogaski

Angela Nogaski


Cert IV F&MB
Credit Rep. No: 540288

Angela has spent over 20 years within the commercial finance and insurance industries, helping businesses achieve their goals. Her vibrant, passionate, and community-orientated personality shines through in her work with other finance professionals and companies, helping them achieve their goals by utilising suitable finance structures. Her diverse experience spans Legal Funding, Medicos, Asset Finance, SMSF, Trade Funding, Tax Debt, Capital Solutions for Businesses Owners, Commercial Real Estate Financing, Business Funding, and Working Capital – Australia-wide.

Angela is committed to the success of everyone she works with and brings a holistic approach to all aspects of commercial finance, incorporating business coaching services and risk management. Her approach helps set businesses up for success.

With significant business goals herself, in 2021, Angela purchased a Historical Commercial Town Centre located at Kooroongarra in the Darling Downs region, Queensland. She is looking to build her modern-day version of a Co-op with her business partner.
For specialty lending from $50K to $100 million, reach out to Angela today.

0437 924 408

Switch Commercial Finance Logo



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

Julie Crowden

Julie Crowden


Cert IV Finance, 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

Connective Excellence Awards Winner Queensland Best Loan Administrator Julie Crowden


Client Services Support

BBus (Marketing & Event Management), CDec

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




With more than 20 years of experience in the bookkeeping field, Carolyn has transitioned to Switch Finance as an Administration and Support Officer. Carolyn has worked in senior roles within small and large businesses and government organisations. She has extensive experience as a contract bookkeeper and Office Manager and has attained a wealth of knowledge.

As a bookkeeper, Carolyn has been involved in obtaining and managing the finances of sole traders, companies and multi-million dollar organisations. This work has given Carolyn a good understanding of the information needed when processing loans, and she understands the need to manage finances to meet and manage loan commitments.




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.


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.

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…

We have been working with Ray and his team for 13 years now and I can highly recommend dealing with anyone at Switch Finance. They go above and beyond, and are very patient people which is important when you are making big financial decisions. Thank you Switch Finance!!
I have known Ray for I5 years and have referred 3 people to him for mortgages and we were all extremely happy. I can’t say enough how wonderful Ray is and one of the nicest guys you will ever meet. Thank you very much for the effort you and your staff go to put a roof over our heads 😊Photo is my next property a holiday eventually
Wonderful help from Julie and Ray
We wanted to refinance our house for some extensive renovation work. Josh from Switch Finance was a huge help in the process. He secured us a great deal and walked us patiently and transparently through the process. Highly recommended.
My property just settled. Thanks so much for all your effort Ray, and the girls always a pleasure to deal with.I am a single mum, and was told No, no and no. Ray got me a YES for not only a refinance, but also another loan for a home for me and my girl. Dealing with the bank is always stressful, but Switch made it more bearable. Celebratory Dinner tonight.Thanks heaps Ray. And thanks for taking my calls, even at the Christmas party. You made me feel like I was an important and valued client.
Super impressed with Switch finance team and especially Eghard's support!! He took time to truly understand our situation and needs and made sure they were met when applying for finance. Efficient, effective and very personable service! Couldn't recommend these guys enough! Thank you!
Again you have made our purchase easy and follow the process all the way through to hand over. You and the entire Switch Finance Team are AMAZING !!! Could not recommend you enoughThanks for all your help today and over the years Ray. You are a pleasure to do business with. Nothing is difficult to you and we truly appreciate it 🙂 . We highly recommend your services at Switch Finance.
Joshua and team have helped us going through all the process until we got our home! It’s not easy but we work together! Now we are very happy! Thank you!
I can't speak highly enough of Eghard's professionalism and how much he assisted us in navigating the home buying process. We worked with Eghard on and off over a few years waiting for the right time to buy due to travel overseas. Without engaging the help of the Switch team we would have found it extremely difficult and probably more costly finding the right financier for our home purchase. Using a broker is a no-brainer, highly recommended.
Great service and very experienced team!
Ray and Julie have helped me with securing mortgage for me twice and both experience have been great. They will do their best to support and get the required work done in timely manner. I will definitely reach out to them again if i need to secure another mortgage.
I highly recommend Switch Finance. The service was top quality, friendly, efficient and so helpful. They were so reliable and happy to answer any questions and take the time to explain things. I would definitely use them again
Eghard and his team was great to deal with and I can highly recommend anyone at Switch Finance, great experience!! Thanks for all your help and support. Thank you Switch Finance!!
Eghard and the team at Switch have just helped my partner and I secure our new home. This is the third time I've been fortunate enough to have them as part of my team. The relationship has allowed me confidence in my position when offering on property, along with extending my financial knowledge. The team are proactive in their approach, always responsive and reduce the stress of property purchase (not to be undervalued). I've recommended Switch to many of my friends and we look forward to working with them for the next one! Thanks again guys!
Thank You, Bobby! We couldn't do it without You and my accountant off course! Best service ever!
Ray & Julie were fantastic to work with when refinancing our home loan."I will use this team again
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!
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....
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.
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 🚗💨
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!!
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.
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!
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!
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!
Always great dealing with Ray and Julie and such a personalised and wonderful service from Switch Finance. Thanks guys - Lorina
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.
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!
Very helpful and straight up from the get go with a great understanding of the best way to structure things to suit your circumstances. Highly recommend.
Eghard and team were wonderful looking after us at such a stressful time! We most certainly would not have gotten our house settled without him! Thanks Eghard!
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.
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.
My husband and i have been using Ray since we first landed in Australia some 10 years ago, for all our personal and investment loans. We had difficulty as new residents to the country to get any kind of finance even though we had bought over a substantial amount of money. Our first dealings with Ray were quite daunting as we were new to everything and we hoped we would find someone we could trust so early on. Lucky we found Ray, he was trustworthy and so we made a good choice. Now 10 years on and we are still dealing with him. Thank you Ray for being trustworthy and we both thank you for all your effort and time you put in everytime we have dealings with you. I would highly recommend Ray Dib for your finance requirements.

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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