Switch today for a brighter tomorrow.

We compare 30 lenders plus, we speak your language, we offer an unsurpassed level of knowledge, experience and expertise.

Switch Finance was founded by Ray Dib in 2015, previously trading as Club Financial Services Southport and The Mortgage Bureau Southport.

Ray has 12 years’ experience in finance, lending and investment portfolio structure and has an excellent reputation, is highly regarded by peers, and is a strong industry presenter/public speaker.

Ray prides himself on being an educator, bridging the gap between the misleading industry jargon and the lending end-users - our customers.

We remain at the forefront of the lending industry in terms of knowledge, experience and expertise. We are 100% immersed in this specialist niche area with our team undertaking ongoing industry specific studies and personal development training, to ensure that the information and services that we provide are of the highest standards, with the most current information and industry standard practices. We keep abreast of frequently changing legalities.

Education • Transparency • Simplicity

We focus on providing exemplary customer service, striving to build a sustainable, long term relationship. We are proud to say that 95%+ of our customers are referral based.

We take time to listen, explain, and simplify - ensuring that our customers really understand their options and their loans, giving them confidence moving forward.

We offer every client the very best, tailored loan structure from an unbiased, broad pool of over 30 lenders. We always aim to perform above and beyond a customer's expectation, which has been integral to our success.

Australia-wide & International Clientele

    At Switch Finance, we only put our trust in highly reputable experts, and that extends to our own team - after all, our reputation banks on it!

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    Our outstanding team

    Ray Dib
    Dip FMBM LREA
    PRINCIPAL & MFAA CREDIT ADVISER
    Australian Credit Licence No: 469024

    With over 12 years’ experience in finance, lending and investment portfolio structure and 28 years as a business owner and franchisee, Ray understands the needs of a business. Ray 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.

    Call: +61 421 621 028
    ray@switchfinance.net.au

    Eghard van der Hoven
    Dip FMBM MEcon
    ACCREDITED FINANCE BROKER
    Australian Credit Licence No: 458583

    Providing our clients with 30 years 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.

    Call: +61 409 881 817
    eghard@switchfinance.net.au

    Julie Crowden
    CDec
    CLIENT SERVICES MANAGER
    Australian Credit Licence No: 469024

    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 10 years’ 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.

    Call: 07 5532 0030
    support@switchfinance.net.au

    What our clients say...

    Switch Finance client Michelle Ritchie

    Trustworthy and puts in the extra mile!

    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

    5.0
    2017-01-30T10:28:22+00:00

    Michelle Ritchie

    Switch Finance client Michelle Ritchie
    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!
    Clients Avatar

    Our first investment property

    Just a little note to say thank you for helping us get over the line for our first investment property! Thank you for being so accommodating regarding all our questions, phone calls and visits. We greatly appreciated it.

    Jenny and John Dawson

    2016-07-04T17:18:14+00:00

    Jenny and John Dawson

    Clients Avatar
    Just a little note to say thank you for helping us get over the line for our first investment property! Thank you for being so accommodating regarding all our questions, phone calls and visits. We greatly appreciated it.
    Switch Finance client Brendan Pritchard

    Professionalism, diligence and speed

    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!

    Brendan Pritchard

    5.0
    2017-01-30T10:38:30+00:00

    Brendan Pritchard

    Switch Finance client Brendan Pritchard
    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!
    Switch Finance Customers Jimmy and Cathy

    Ray is now one of our few very trusted associates

    We have personally found business on the Gold Coast very trying to say the least and must say that Ray Dib and team have always shown us, and our buyers, the utmost respect, no matter how large or small the loan. This team are energetic, polite, trusting and successful in sealing the best possible deal, in accordance with the individuals status. Needless to say that Ray is now one of our few very trusted associates and friends. We can recommend Ray Dib, his team and Company to any individuals or companies needing any type of financial assistance.

    Jimmy and Cathy Swan

    2016-07-11T09:16:25+00:00

    Jimmy and Cathy Swan

    Switch Finance Customers Jimmy and Cathy
    We have personally found business on the Gold Coast very trying to say the least and must say that Ray Dib and team have always shown us, and our buyers, the utmost respect, no matter how large or small the loan. This team are energetic, polite, trusting and successful in sealing the best possible deal, in accordance with the individuals status. Needless to say that Ray is now one of our few very trusted associates and friends. We can recommend Ray Dib, his team and Company to any individuals or companies needing any type of financial assistance.
    Switch Finance Clients Loren and Luke

    Invaluable advice and assistance

    Thanks so much to Ray and the team for their invaluable advice and assistance given to us when purchasing our new home. Such great people to work with!

    Loren Scanlan and Luke Cahill

    5.0
    2016-07-04T12:25:07+00:00

    Loren Scanlan and Luke Cahill

    Switch Finance Clients Loren and Luke
    Thanks so much to Ray and the team for their invaluable advice and assistance given to us when purchasing our new home. Such great people to work with!
    Switch Finance client Thong Da Wei

    Exceptionally enthusiastic and passionate people

    I couldn't be more happy with Ray and Julie! 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

    5.0
    2016-07-04T12:29:54+00:00

    Thong Da Wei

    Switch Finance client Thong Da Wei
    I couldn't be more happy with Ray and Julie! 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.
    Switch Finance client AJ Jones

    Always available to answer my questions

    Ray and Julie provide a very professional, efficient and friendly service. From start to finish, they were always available to answer my questions and provide guidance through my refinance process, which went smoothly. I highly recommend Switch Finance.

    AJ Jones

    5.0
    2016-07-04T12:33:52+00:00

    AJ Jones

    Switch Finance client AJ Jones
    Ray and Julie provide a very professional, efficient and friendly service. From start to finish, they were always available to answer my questions and provide guidance through my refinance process, which went smoothly. I highly recommend Switch Finance.
    Client Avatar

    Looking forward to doing it all again

    Thanks so much for your efforts guys, hugely appreciated. Your service stands out so much compared to previous brokers and individual banks I have gone through. To me, your service alone makes the IC process worthwhile. Awesome stuff! Am looking forward to doing it all again with you asap.

    Peter M

    2016-07-04T17:56:05+00:00

    Peter M

    Client Avatar
    Thanks so much for your efforts guys, hugely appreciated. Your service stands out so much compared to previous brokers and individual banks I have gone through. To me, your service alone makes the IC process worthwhile. Awesome stuff! Am looking forward to doing it all again with you asap.
    Switch Finance Customers Jackie Phil

    Things we were not to sure about were always explained fully

    Thank you to all the staff, you are all very helpful and patient. Things we were not to sure about were always explained fully.

    Jackie and Phil

    2016-07-11T09:31:27+00:00

    Jackie and Phil

    Switch Finance Customers Jackie Phil
    Thank you to all the staff, you are all very helpful and patient. Things we were not to sure about were always explained fully.
    Clients Avatar

    I will certainly use your services again

    Please accept our thanks for your services provided recently with our investment property acquisition. I will certainly use your services again and have no reservations in recommending you to others. Again thanks and all the best.

    Jason and Rosalind

    2016-07-11T09:37:58+00:00

    Jason and Rosalind

    Clients Avatar
    Please accept our thanks for your services provided recently with our investment property acquisition. I will certainly use your services again and have no reservations in recommending you to others. Again thanks and all the best.
    Clients Avatar

    Pleasure having the backing of professional people

    Noelene and I would like to thank you all for all the help rendered during the process of buying our first home in Australia. It is an absolute pleasure having the backing of professional people like yourselves all making it that little bit easier. Thanks again to all.

    John and Noelene Salter

    2016-07-11T09:41:56+00:00

    John and Noelene Salter

    Clients Avatar
    Noelene and I would like to thank you all for all the help rendered during the process of buying our first home in Australia. It is an absolute pleasure having the backing of professional people like yourselves all making it that little bit easier. Thanks again to all.
    Clients Avatar

    Sign off on the loans went faultlessly

    Just a short note to let you know how much Jackie and I appreciate the work you've done for us so far. Sign off on the loans went faultlessly yesterday, despite the senior loans officer being off sick, with the young replacement commenting he had not seen such a complex lending arrangement before. We have the highest regard for the prompt and professional service you all have provided to us and nothing but praise for the friendly, patient support we have received each time we call.

    Keir and Jackie

    2016-07-11T09:46:48+00:00

    Keir and Jackie

    Clients Avatar
    Just a short note to let you know how much Jackie and I appreciate the work you've done for us so far. Sign off on the loans went faultlessly yesterday, despite the senior loans officer being off sick, with the young replacement commenting he had not seen such a complex lending arrangement before. We have the highest regard for the prompt and professional service you all have provided to us and nothing but praise for the friendly, patient support we have received each time we call.
    Clients Avatar

    Very happy about the way things have been managed

    Everything seems to have gone very well. The loan accounts have changed to ANZ Bank and our other accounts have been opened. We are very happy about the way things have been managed. I would like to take this opportunity to thank you and Ray (and the rest of the team) and ANZ Bank for making this happen. We are more than happy with the result.

    Peter and Shirley Craig

    2017-05-23T17:25:59+00:00

    Peter and Shirley Craig

    Clients Avatar
    Everything seems to have gone very well. The loan accounts have changed to ANZ Bank and our other accounts have been opened. We are very happy about the way things have been managed. I would like to take this opportunity to thank you and Ray (and the rest of the team) and ANZ Bank for making this happen. We are more than happy with the result.
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