Property Finance Seminar - Register Now

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We are your mortgage experts – specialising in home and investment property lending and structure.

Why should you contact us?

If you have been with your current lender for more than 2 years, without a review, then you are definitely paying too much for your loan.

After our appraisal, if we can’t save you money on your current home or investment loan, dinner is on us!*

*This offer is available to applicants that can qualify for finance (i.e. sufficient equity and income to meet current lending criteria) and that have not already refinanced within the last 12 months. We will pay $100 to the restaurant of your choice.

MAKE THE CALL THAT COULD SAVE YOU $$$$APPLY NOW!
Don't Bitch, Switch!

With hundreds of lenders to choose from, what makes Switch Finance the best mortgage broker on the Gold Coast?

We are ethical and we detest injustice. With the Reserve Bank of Australia’s interest rate at an all time low, it eats at our very core to see profit hungry financial institutions gorge upon people’s hard earned money. We are NOT loyal to the banks or any lender, we are loyal to our customers.

We are a small business with big connections and vast knowledge that we actively share with peers and our clients.  Our outstanding team, based on the Gold Coast, servicing an international clientele, really does seek the best outcome for every single client. Our reputation attests to that.

Our Services

  • Mortgage | Residential Home Loans
  • Refinance
  • Reverse Mortgages
  • Investment Loans
  • Investment Property Selection and Location Assistance
  • FOLIOPRO Portfolio Structure, Property Investment Analysis and Cash Flow Reports
  • Off-plan Purchases
  • Business Equipment Loans
  • Small Business Loans
  • Construction Lending
  • Self-Managed Super Funds (SMSF)
  • Commercial Lending / Company Loans
  • Refinance or Purchase with a Legal Will or Matrimonial Separation
  • Loan Top-Ups

If you go straight to a bank or a large lending institution for a loan, the staff are loyal to their employer, NOT to you.

At Switch Finance, WE ARE LOYAL TO YOU! That’s why our customers return to us time and time again.

We seek the best outcome for every single client.

We 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.

Switch today for a brighter tomorrow

Switch Finance FBAA Accredited Member

Our Mission

To tear down the veil of confusion and deceit purposely created by the banks, because we are sick of seeing the Australian public being deceived and duped out of their hard-earned money.

HOME LOANS

A residential loan that is a tailored fit for you, from an ethical mortgage broker who has your best interest at heart (not the banks). LOANS OVER $250K NO SERVICE FEE!*

APPLY NOW

BUSINESS EQUIPMENT LOANS WITH EXPERT ADVICE

Need finance for equipment, vehicle fleet, company property purchases (including refinancing), development and cash flow?

CALL US NOW

REFINANCE AND SAVE

Had your loan for 2+ years? You're probably paying too much! Let's find a sharper deal and get you that buffer or extra funds to start living the dream!

APPLY NOW

REVERSE MORTGAGE

Tick off that bucket list! Borrow money using the equity in your home as security, in a lump sum, a regular income, a line of credit or combination.

APPLY NOW

SMARTER INVESTING WITH FOLIOPRO

A super simple yet in-depth snapshot of investments and strategy, with solutions that really work for you.

CALL US NOW

SMSF LENDING

We'll guide you with managing your own Superannuation. Open up other avenues for property acquisition with some unique tax advantages and flexibility.

APPLY NOW!

SMALL BUSINESS LOANS

Up to $250,000, 3-24 month terms, easy to apply, fast decision, 90% of applicants receive funding within 1 business day (loans under $50K)

APPLY NOW!

LEGAL REFINANCING

Divorce, separation, business partnership separation - we will work with your legal team to find the best solution for you.

CALL US NOW

Meet the actual team, here in Australia, that actively seeks to find the best solution for you.

Ray Dib

Ray Dib

PRINCIPAL & FINANCE ENGINEER

Dip FMBM LREA | Australian Credit Licence No: 469024

With over 13 years’ experience in finance, lending and investment portfolio structure and 30 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.

+61 421 621 028

ray@switchfinance.net.au

Eghard van der Hoven

Eghard van der Hoven

ACCREDITED FINANCE BROKER

Dip FMBM MEcon | 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.

+61 409 881 817

eghard@switchfinance.net.au

Julie Crowden

Julie Crowden

CLIENT SERVICES MANAGER

CDec | 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.

07 5532 0030

support@switchfinance.net.au

Bobby Yang

Bobby Yang

FINANCE ENGINEER

Dip FP & CERT IV Finance | Credit Rep. of Ray Dib Financial Services Pty Ltd Australian Credit licence No 469024

Bobby has a strong background in financial planning, making the transition to mortgage broker to provide a service to clients that is not evident in the banking industry. With 10 years of experience, having dealt with all aspects of financial planning, Bobby brings an exceptional level of client support to our team.

Being a newly accredited finance specialist, Bobby will be looking forward to the challenges ahead, building and servicing his own client base with the Switch Finance team.

+61 432 485 807

bobby@switchfinance.net.au

Jordan Giltrap-Ryall

Jordan Giltrap-Ryall

FINANCE ENGINEER

Dip Bus & CERT IV Finance & Mortgage Broking | Credit Rep. of Ray Dib Financial Services Pty Ltd Australian Credit licence No 469024

Jordan has been employed in the Banking Industry for 6 years. This experience has given him insight into how the Industry works. He comes from a family background of Banking and Finance and as an accredited Finance Engineer he offers a fresh set of skills within Switch Finance.

Jordan is young, friendly and looking forward to expanding his knowledge and experience in the Personal Residential Lending Market and building his own network and customer base.

+61 420 672 910‬

jordan@switchfinance.net.au

We vigorously negotiate credit options, terms and rates on behalf of the client comparing 28+ lenders to find just the right fit for you, be it with a single institution or with loans spread across various lenders to attain the best outcome, with access to rates that are not advertised.

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…

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

Switch Finance Services
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

Switch Finance Services
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 Referree

Ray got me 5 stand alone loans with the same lender, at lower interest rates than I’d previously been paying, saving me $3,000/month!

I’m a member of [Property Club] and my property mentor is Fred Zanette. Fred recommended a mortgage broker named Raymond Dib, from “Switch Finance”, located at Southport, in Queensland, to refinance my 5 Investment property loans.

Raymond Dib and Julie Crowden, at “Switch Finance”, were both very efficient and professional, and they answered any queries, from myself, in a very timely manner. Raymond got me 5 stand alone loans with the same lender, and all at lower interest rates than I’d previously been paying, thus saving me $3,000/month!

I had asked my previous mortgage broker, to refinance my 5 loans for me, and he said that he was unable to help me, as the lending criteria had changed! I would like to highly recommend Raymond Dib’s company, “Switch Finance”, to all of your members, and particularly those members, who have had any problems, trying to refinance their Investment property loans, with other mortgage brokers.

Raymond Dib and Julie Crowden, were a pleasure to work with, and they will go the extra mile, in order to help their clients out!

S.S., Victoria

Switch Finance Services
2018-02-27T18:15:34+00:00

S.S., Victoria

Switch Referree
I’m a member of [Property Club] and my property mentor is Fred Zanette. Fred recommended a mortgage broker named Raymond Dib, from “Switch Finance”, located at Southport, in Queensland, to refinance my 5 Investment property loans. Raymond Dib and Julie Crowden, at “Switch Finance”, were both very efficient and professional, and they answered any queries, from myself, in a very timely manner. Raymond got me 5 stand alone loans with the same lender, and all at lower interest rates than I’d previously been paying, thus saving me $3,000/month! I had asked my previous mortgage broker, to refinance my 5 loans for me, and he said that he was unable to help me, as the lending criteria had changed! I would like to highly recommend Raymond Dib’s company, “Switch Finance”, to all of your members, and particularly those members, who have had any problems, trying to refinance their Investment property loans, with other mortgage brokers. Raymond Dib and Julie Crowden, were a pleasure to work with, and they will go the extra mile, in order to help their clients out!
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

Switch Finance Services
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.
Switch Referree

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

Switch Finance Services
2016-07-04T17:18:14+00:00

Jenny and John Dawson

Switch Referree
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 Referree

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

Switch Finance Services
2016-07-04T17:56:05+00:00

Peter M

Switch Referree
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 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

Switch Finance Services
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 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

Switch Finance Services
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.
Switch Referree

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

Switch Finance Services
2016-07-11T09:37:58+00:00

Jason and Rosalind

Switch Referree
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.
Switch Referree

So helpful with all my million questions

Thanks for being so helpful with all my million questions. You guys were great!

Stacey

Switch Finance Services
2016-07-11T09:39:02+00:00

Stacey

Switch Referree
Thanks for being so helpful with all my million questions. You guys were great!
Switch Referree

We look forward to doing business with you some day

We appreciate your hard work in getting this over the line for us. We are very excited. Thanks once again and we look forward to doing business with you some day again soon.

Andrew

Switch Finance Services
2016-07-11T09:40:39+00:00

Andrew

Switch Referree
We appreciate your hard work in getting this over the line for us. We are very excited. Thanks once again and we look forward to doing business with you some day again soon.
Switch Referree

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

Switch Finance Services
2016-07-11T09:41:56+00:00

John and Noelene Salter

Switch Referree
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.
Switch Referree

Monumental efforts

Just a short email to say a BIG THANK YOU for your time and monumental efforts in helping us to settle our apartment in Melbourne. THANK YOU!

Julie and Neil Andrew

Switch Finance Services
2016-07-11T09:45:17+00:00

Julie and Neil Andrew

Switch Referree
Just a short email to say a BIG THANK YOU for your time and monumental efforts in helping us to settle our apartment in Melbourne. THANK YOU!
Switch Referree

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

Switch Finance Services
2016-07-11T09:46:48+00:00

Keir and Jackie

Switch Referree
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.
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

Switch Finance Services
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!
Switch Referree

Always happy to answer my many questions

As a first time investor I was nervous about the finance process and had no idea where to start. From the get go Ray and Julie were fantastic. Always happy to answer my many questions and went above and beyond every time. I can’t thank you both enough. With service like yours I know my future finance needs will always be covered. Thanks again!

Terrena Wouters

Switch Finance Services
5.0
2018-02-07T14:53:48+00:00

Terrena Wouters

Switch Referree
As a first time investor I was nervous about the finance process and had no idea where to start. From the get go Ray and Julie were fantastic. Always happy to answer my many questions and went above and beyond every time. I can’t thank you both enough. With service like yours I know my future finance needs will always be covered. Thanks again!
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

Switch Finance Services
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!
Joel Dillon

Eghard is a fantastic mortgage broker

Eghard is a fantastic mortgage broker, fast and efficient and readily contactable. Very happy - ask for Eghard!

Joel Dillon

Switch Finance Services
5.0
2018-02-14T11:56:06+00:00

Joel Dillon

Joel Dillon
Eghard is a fantastic mortgage broker, fast and efficient and readily contactable. Very happy - ask for Eghard!
Switch Referree

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

Switch Finance Services
2017-05-23T17:25:59+00:00

Peter and Shirley Craig

Switch Referree
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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