Switch Finance – when experience matters!

Your trusted Lending Experts, servicing all of Australia.

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At Switch Finance, experience isn’t just an advantage—it’s the difference between an average deal and the best possible outcome.

We specialise in home loans, investment property lending, and business finance, structuring solutions that don’t just save money today but build long-term financial success.

With a team based in the Gold Coast, Brisbane, and Mackay, we assist clients across Australia and beyond. We understand the complexities of lending, so you don’t have to—streamlining the process and delivering results that align with your financial goals.

When the right decision matters, experience matters more.
Make the switch today!

Call 07 5532 0030

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07 5532 0030

Our Services

Switch Finance Mortgage Broker Gold Coast

Home Loans

A residential mortgage tailored for you, from an independent pool of over 30 lenders. Chat now with our award winning mortgage brokers team.
LOANS OVER $450K NO SERVICE FEE!*

Refinance or Loan Top Up

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 you need. Refinance now.

Business Equipment Loans

Expert assistance with equipment finance including vehicle purchases, medical, catering and hospitality equipment, computer and technology purchases and more.

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 (under $50K).

Quick Apply

Corporate Commercial and Industrial Loans

Commercial Lending & Company Loans

Company property purchases and refinancing, development finance, fleet finance and cash flow/business loans from mainstream or non-conforming lenders.

SMSF Loans

MANAGE YOUR OWN SUPER
Open up other avenues for property acquisition with unique tax advantages and flexibility. We organise a limited recourse borrowing arrangement (LRBA) inside of a self managed super fund.

Switch Finance Reverse Mortgage Gold Coast

Reverse Mortgages

Borrow money using the equity in your home as security, in a lump sum, a regular income, a line of credit or combination. Call for an obligation free chat.

Construction and Off Plan Purchase Finance

Off-Plan Purchases & Construction Lending

Our support team will help manage the progress payments to the builder until completion.

Unlocking Financial Freedom, One Property at a Time.

Financial freedom starts with the right strategy. Whether you’re purchasing your first home, upgrading, or expanding your investment portfolio, the right lending decisions can shape your future. At Switch Finance, we simplify the process, take away the stress, and tailor solutions that align with your long-term goals. With expert guidance and a clear strategy, you can focus on what really matters—building a secure and prosperous future.

We really do go the extra mile for our clients, but don’t take our word for it, read what our customers say…

Excellent

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!

Shannon W.

recommends

We’ve had the pleasure of working with Ray and the team at Switch Finance for over 8 years now, and we honestly couldn’t recommend them more highly. Over the years, they’ve supported us through multiple stages — from purchasing our home, refinancing, and most recently securing a construction loan for our newly built house. Every experience has been seamless and stress-free. Ray has always gone above and beyond to find the best possible deal for us, taking the time to explain our options and making sure we felt confident every step of the way. His professionalism, knowledge, and genuine care really set him apart. It’s rare to find a team that’s not only highly skilled but also such a pleasure to work with. We’re incredibly grateful for their ongoing support and wouldn’t hesitate to recommend Switch Finance to anyone looking for trustworthy and expert mortgage advice.

shannon W.

We’ve had the pleasure of working with Ray and the team at Switch Finance for over 8 years now, and we honestly couldn’t recommend them more highly. Over the years, they’ve supported us through multiple stages , from purchasing our home, refinancing, and most recently securing a construction loan for our newly built house. Every experience has been seamless and stress-free. Ray has always gone above and beyond to find the best possible deal for us, taking the time to explain our options and making sure we felt confident every step of the way. His professionalism, knowledge, and genuine care really set him apart. It’s rare to find a team that’s not only highly skilled but also such a pleasure to work with. We’re incredibly grateful for their ongoing support and wouldn’t hesitate to recommend Switch Finance to anyone looking for trustworthy and expert mortgage advice.

Response from the owner:Thanks Shannon, it has always been a pleasure looking after you both over the years. Thanks for the very kind words and all the best moving forward!

Aaron E.

⭐⭐⭐⭐⭐ I recently worked with Switch Finance to organise my refinance, and I couldn’t be happier with the experience. From start to finish, the team was professional, responsive, and genuinely committed to getting me the best outcome. They took the time to explain everything clearly, kept me updated throughout the process, and made what could have been a stressful experience feel smooth and straightforward. Their attention to detail and willingness to go the extra mile really stood out. Highly recommend to anyone looking for reliable and knowledgeable support with refinancing or home loans!

Response from the owner:Thanks for the wonderful review, Aaron, so pleased that you had a great outcome. All the best!

Paul U.

Ray was thorough, always available & the most knowledgable finance broker we have ever used. We would never use anyone else. Thank you so much

Response from the owner:Thanks for the great review Paul, much appreciated. All the best with your future endeavours.

Denis C.

Marco has been so good/awesome at helping me through what ended up being a nightmare with ANZ. CANNOT recommend enough 👍👍

Response from the owner:Thanks for the great review Denis! Great news that Marco was able to assist 🙂

Sabrina S.

No messing around. Josh has assisted us with refinancing our current home and was very open and honest with us with our options and fought for us to get the best deal. Would highly recommend him to my family and friends when the time comes that they are to purchase property.

Response from the owner:Thanks for the great review Sabrina! Josh does do a fantastic job for his clients. All the best 🙂

Matt F.

Ray and the team handled our property purchase with absolute ease and made us feel secure the whole time.

Response from the owner:Thanks for your kind words Matt. You guys have always been a pleasure to deal with. All the best completing your renovations.

Harrison S.

Great people to deal with! Constantly making sure everything is on track and flowing smoothly! Will definitely be using these guys again in the future!

Response from the owner:Thanks Harrison for the kind words. We look forward to assisting you again in the future.

Mitchell L.

Marco helped me secure my home loan in Mackay and made the whole process feel manageable and achievable. He kept me well informed, checked in regularly, and was always available to talk things through. I really appreciated Marco's support, guidance and calmness through what can be a stressful process. Would highly recommend from my experience.

Response from the owner:Thanks for the wonderful review Mitchell. Enjoy your new home!

Darren B.

Ray and his team once again provided exceptional service. Ray is thorough and very clear on what can and can't be achieved. We have used Switch Finance on many occasions and referred many family and friends over the years. Thanks again Ray!!!!

Response from the owner:Thanks for the kind words, Darren, always a pleasure looking after you. Until the next time keep well!

Craig D.

Excellent service. Thank you Eghard

Response from the owner:Thanks for the review Craig!

kaani

Great experience dealing with the team. Marco is very professional and his customer service is unmatched

Response from the owner:Thanks for the awesome review Kaani!

Kim B.

Ray and his team, do an amazing job in getting you the right loan. I've had them help me twice once with my residential property and once with my commercial property and they not only find you the best loan they also educate you along the way. I would highly recommend anyone who's looking to buy a commercial loan or a business loan to go through ray and his team

Response from the owner:Thanks for your review Kim! All the best with your new commercial investment property.

Tim M.

Ray and the team at Switch Finance are super responsive, going above and beyond every single time. Can not recommend highly enough. Excellent advice, brilliant service.

Response from the owner:Thanks for your kind review, Tim. You guys are always a pleasure to deal with and super responsive. Enjoy your new home!

Jake T.

I had a great experience with switch finance. The team really went above and beyond to make me feel like I was there main priority. I Will only be using them in the future.

Response from the owner:Thanks for the review, Jake and so glad you had a great experience with our team. We look forward to being able to assist you again soon.

Alexander P.

recommends

Josh from Switch Finance was friendly, professional and eager to provide help and advice along the house buying journey. Switch Finance genuinely helped us save hundreds of dollars a month on our home loan.

Alex P.

Response from the owner:Thanks for the great review, Alex and all the very best with your new home.

Linda N.

Josh was instrumental in helping us get our loan, we could not have done it with out him. The admin team that assist Josh where also brilliant. If you are looking for a home loan Josh is definitely your guy. We are 59 and 61 years old which can be a challenge when looking to borrow money but Josh made it happen. Thanks Josh and your team, Linda and Graham

Response from the owner:Thanks for your review, Linda. So glad Josh was able to find a great solution for you both, and you had a great experience with our wonderful support team. All the very best moving forward.

Jenna N.

Eghard from Switch Finance really went above and beyond to make our dream property a reality. We could not be more greatful. Our situation was not straight forward, but Eghard navigated it with precision and confidence. His communication throughout was excellent and we felt supported and secure in the knowledge that he knew how to make this all possible. And he did! We will forever be greatful for the dream you helped make come true for us. Thanks for your honestly and integrity all all times Eghard (and your hard work). Jenna & Kent

Response from the owner:Thanks for that awesome review, Jenna! So glad Eghard was able to assist you and all the very best moving forward.

Gracey U.

Eghard assisted my partner and I in purchasing our first investment property. He was great to deal with, making the whole process super seamless and stress-free. Would highly recommend Eghard and Switch Finance for anyone looking to purchase a home.

Response from the owner:Thanks Gracey for the awesome review. So glad that you had a great experience purchasing your first home, enjoy!

Charlotte S.

We would highly recommend Josh. As first home buyers, we were navigating a new process, but he walked us through everything, answered a billion questions and was always super responsive. Now whenever we have discussions about a broker, we will definitely recommend Josh @ switch finance. Thank you.

Response from the owner:Thanks Charlotte for your aesome review! Enjoy your new home 🙂

Marion L.

We had a great experience with Switch Finance. Joshua found a lender for us despite our situation and he was helpful all the way. He took the time to answer all our questions and we always felt supported! Definitely recommend considering this company for your brokerage needs.

Response from the owner:Thanks for the great review Marion! All the very best 🙂

Jorge P.

Joshua was a great help with our first home purchase. He guided us through the process, explained everything clearly, and made getting our loan much less stressful. We felt supported the whole way and really appreciated his professionalism and patience. Highly recommend!

Response from the owner:Thanks for the great review Jorge, congratulations on your first home!

Cassandre M.

Refinanced my mortgage with Marco Ursi and had a great experience, highly recommend!

Response from the owner:Thanks Cassandre for your wonderful review, I am delighted you had a great experience.

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We vigorously negotiate credit options, terms and rates, comparing 28+ lenders to find just the right fit, 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.