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.
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.
- Mortgage | Residential Home Loans
- 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
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.
Meet the actual team, here in Australia, that actively seeks to find the best solution for you.
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.
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.
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.
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.
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…
Invaluable advice and assistance
Loren Scanlan and Luke Cahill
Exceptionally enthusiastic and passionate people
Thong Da Wei
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!
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!
Always available to answer my questions
Our first investment property
Jenny and John Dawson
Looking forward to doing it all again
Ray is now one of our few very trusted associates
Jimmy and Cathy Swan
Things we were not to sure about were always explained fully
Jackie and Phil
I will certainly use your services again
Jason and Rosalind
So helpful with all my million questions
We look forward to doing business with you some day
Pleasure having the backing of professional people
John and Noelene Salter
Julie and Neil Andrew
Sign off on the loans went faultlessly
Keir and Jackie
Trustworthy and puts in the extra mile!
Always happy to answer my many questions
Professionalism, diligence and speed
Eghard is a fantastic mortgage broker
Very happy about the way things have been managed
Peter and Shirley Craig