James Florance
Mob: 0428 152 010
Mortgage Choice Home Loan Specialist for Home Buyers in all Northern Brisbane areas
Winner of the Mortgage Choice "2009 Business Excellence Award for Queensland"
Whether you're buying for the first time, onto your second home or developing your investment property portfolio - purchasing property can be a confusing process, so it helps to have someone there to guide you along the way. Calling Mortgage Choice is the first step to minimizing the fuss and turning your property dreams into reality.
In my Fourteen years in the mortgage and finance industry, there are few scenarios I haven't dealt with. Whether you're after a pre-approval, you've found your dream home already or need to get things happening quickly - our dedicated team are here to help you along every step of the way and best of all, we don't charge you for our expertise and service.
We have access to a large panel of Australia's leading lenders, so you have genuine choice from many hundreds of loan possibilities.
Let my Team at Mortgage Choice HELP You -
Purchase your First Home, we will also assist you with the First Home Owner Grant. Purchase an Investment Property or fund other investments.
Refinance your existing home loan showing you how to pay off your mortgage years sooner.
Restructure your current mortgage to ensure that it is helping you to achieve your goals.
Consolidate your mortgage, credit cards and personal loans into one low rate.
If you are Self Employed or require a Lo Doc Home Loan.
And WE DON'T JUST STOP AT HOME LOANS! We can help you with personal loans, commercial loans, Asset & Equipment Finance, professional packages and your General and Personal Insurance needs.
Call me directly on 0428 152 010 or my office on (07) 3425 3415 to arrange an appointment . I am available to come to your home or office at a time that suits you.
Testimonials
Customer Testimonials
"Your service was great. I didn't have to worry about a thing. Everything was done for us. Questions were answered straight away. So happy we went with you James, I should have bought a home years ago. Thank you! so much"
Lisa & Jim A, Sandgate, QLD
"Thank you for all your help in showing us how we could use the equity in our home to allow us to buy an investment property. We did not realise that we could buy an investment property so easily, and now we are looking at getting our 2nd investment property very soon. You made the process feel so simple. We are grateful, as it took the pain away of running around to several different banks to get the best loan. I will not hesitate in referring you on to my friends and family as it is a service everyone should take advantage of. Look forward to using your expertise again in the future to help us expand our portfolio further" Yours Faithfully,
Sarah T, Burpengary, QLD
"I would be pleased to recommend James and his team from Mortgage Choice to anyone considering their first home through to experienced real estate investors. James explained important processes in clear, simple language, took interest in my objectives and worked hard to ensure I received the product that was right for my situation. His support team went above and beyond in their role, which was certainly much appreciated and ensured a smooth, stress-free real estate experience."
Angus M, Bracken Ridge, QLD
"A very professional mortgage broker who knows the business inside out. I would not hesitate to contact him regarding any future products I may need. We are well on the way to securing our dreams".
Jeremy & Anne F, North Lakes, QLD.
I’ve used mortgage brokers previously and found them to be diligent and effective in sorting through the various products and corresponding with the banks. James at Mortgage Choice is one step ahead of the rest. We found him not only responsive and knowledgeable about the various products, but also accessible at all times and willing to go the extra mile for complex arrangements. Thank you for your efforts and we will be referring to you in the future. Tony & Tash M, Eatons Hill QLD.
Customer Testimonials
Dear James,
Thank you sincerely for all your assistance in the purchase of my first home. You made what seemed like an extremely complicated and confusing process, straight-forward and worry free. I very much doubt that if I hadn't have called and dealt with you, that I would have felt confident enough to bid and eventually purchase my property. Your extremely prompt responses to my questions and down-to-earth attitude made you an absolute pleasure to deal with.
Thank you again! Janine S, Bribie Island, QLD.
"I would be pleased to recommend James and his team from Mortgage Choice to anyone considering their first home through to experienced real estate investors. James explained important processes in clear, simple language, took interest in my objectives and worked hard to ensure I received the product that was right for my situation. His support team went above and beyond in their role, which was certainly much appreciated and ensured a smooth, stress-free real estate experience."
Angus McDonald, Bracken Ridge, QLD
"James your service was nothing but excellent. Mortgage Choice has a great name, but it gets its reputation from great people like yourself. We will recommend your services to my friends and colleagues without question".
Andrew & Angela S, Redcliffe, QLD.
"A very professional mortgage broker who knows the business inside out. I would not hesitate to contact him regarding any future products I may need. We are well on the way to securing our dreams".
Jeremy & Anne F, North Lakes, QLD.
Customer Testimonials
"...the service, the response time and the follow up was outstanding. James was approachable & professional and made my wife and I feel at ease and confident with our choice of Mortgage Broker. We would gladly recommend James and his team @ Mortgage Choice to others".
Peter G, North Lakes, QLD.
"James your service was nothing but excellent. Mortgage Choice has a great name, but it gets its reputation from great people like yourself. We will recommend your services to my friends and colleagues without question".
Andrew & Angela S, Redcliffe, QLD.
"A very professional mortgage broker who knows the business inside out. I would not hesitate to contact him regarding any future products I may need. We are well on the way to securing our dreams".
Jeremy & Anne F, North Lakes, QLD.
James thank you for all your help in showing us how we could use the equity in our home to allow us to buy an investment property. We did not realise that we could buy an investment property so easily, and now we are looking at getting our 2nd investment property very soon. You made the process feel so simple. We are grateful, as it took the pain away of running around to several different banks to get the best loan. I will not hesitate in referring you on to my friends and family as it is a service everyone should take advantage of. Look forward to using your expertise again in the future to help us expand our portfolio further.Yours Faithfully, Sarah T, Burpengary, QLD
How to choose a home loan
Here are 5 essential tips that you should consider when choosing a home loan:
1. Interest rates
Interest rate is obviously important, but remember that you are not simply looking for the home loan with the lowest interest rate because there are many other considerations.
For example, the mortgage lender with the ‘best’ interest rate may have high ongoing fees and therefore your home loan may cost you more in the long term than a similar one with a higher interest rate.
Be sure to consider ‘break and switch’ costs as well because if you decide to pay out your home loan or refinance before time will you be charged exorbitant fees to do so.
Also, be wary of an introductory rate. It may be ‘cheap’ at the start but it may also revert to a much higher rate after once the introductory term has finished. You should try to negotiate an interest rate discount with your mortgage lender over the longer term.
2. Features and flexibility
What are the home loan features that you need? Home loans with the ‘best’ interest rate may not have all the features you need or be as flexible as you need it to be. For example, do you want the ability to pay extra so you can prepare yourself for future rate rises and also create a buffer if your financial circumstances change?
You also need to consider the accessibility of your mortgage lender in terms of ATM, internet, face-to-face contact, etc. Decide what you need and ask whether your chosen home loan lender has the features available.
3. Consider the current home loan approval times
Is your home loan approval time critical? If so, the lender with the ‘best’ home loan may not be able to get your loan approved in time. During peak processing periods, lender service times can vary between 2 to 20 working days.
4. Compare home loan products
Visit a reputable mortgage broker with more than 20 lenders on their panel. This way, you can research and compare a broad range of home loans and lenders all within the one visit.