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James Florance

Your Local Mortgage Broker & Financial Services Experts in North Lakes and Redcliffe

Talk to James Florance, your local Mortgage Choice broker from North Lakes and Redcliffe. Let us research and compare over 20 lenders for you.
  • Call Us Mortgage Choice North Lakes
  • Office - 07 3886 3881
  • Open Hours Mortgage Choice North Lakes
  • Monday - Friday: 9:00am - 5:00pm
    After hours by appointment
  • Free Appointment

Suite 10 Norwinn Centre, Cnr Endeavour Blvd & Winn St NORTH LAKES, QLD 4509

Multi Award winning Team at Mortgage Choice North Lakes

  • Winner of the Mortgage Choice Business Excellence Award QLD in 2020, 2019, 2018, 2017, 2016, 2015, 2014, 2013, 2011/2012 & 2009.
  • 2020 QLD Broker of the Year ALI Group.
  • 2018 National Broker of the Year ALI Group.
  • 2017 QLD Broker of the Year ALI Group.
  • 2017 Australian Mortgage Awards Finalist - Broker of the Year.
  • 2017 Mortgage Choice National Growth Award.
  • Winner of the Mortgage Choice Gold Broker Award 2016, 2015.
  • Winner of the Mortgage Choice Business Driver Award 2011/2012.
  • Mortgage Choice CEO Award Finalist 2011/2012.

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 Twenty Five 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 North Lakes help you

  • Purchase your First Home, we will also assist you with the First Home Owner Good Start 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.

We have a specialised team that can also help you with

  • Car Loans
  • Commercial Loans
  • Asset & Equipment Finance
  • Professional packages
  • Your General and Personal Insurance needs.

Our office is open by appointment between 9am to late Monday to Friday.

Call (07) 3886 3881 to make an appointment today.

The right home loan for your needs

Our mission is to find the right home loan for your individual needs and to always have your best interests at heart. Plain and simple. Which is why we have such a wide range of lenders to choose from. We can search through hundreds of products to find something tailored to your situation. ~

Google Reviews

Nigel Hastings

01 Jun 2022

This is the second time we have utilised the services of James and the team at Mortgage Choice North Lakes. Absolutely outstanding on both occasions. James has a real knack of u...

Tamara Evans

01 Jun 2022

Bec and Bree made the whole process so easy, not a stress from start to settlement.

Jacqui Jeucken

26 May 2022

I’ve used Mortgage Choice nine years ago to source my current home, and again recently when refinanced with a new bank. James and his team made the whole process as easy as pos...

Annaliese Carter

20 May 2022

An amazing team, always going above and beyond to cater for my needs when it comes to personal & business finance. Highly recommended! Wouldn’t use anyone else. Thanks team!

lachlan smith

18 May 2022

We were happy with mortgage choice northlakes until a small mistake on their behalf put us out of pocket 7.5k

Reece Collier

16 May 2022

Could not recommend James and the team enough. My partner and I bought our first home with them and they were amazing made the process from start to finish super easy. Took such...


06 May 2022

As a couple who've just gone through the process of buying a house we really recommend them. James and the team made finding and securing a mortgage very simple and stress free...

Kathy Dyer

05 May 2022

James, Bree & Lyn have been so helpful, knowledgeable and friendly. It has been a pleasure dealing with them. Highly recommend their services.

Maddy Thompson

26 Apr 2022

Would highly recommend James, he was amazing and made the process of purchasing my first home so easy!

Nathan Curley

19 Apr 2022

James and the team were great to work with from start to finish. Made the whole process of changing our loan so easy and simple. Gave us a great plan moving forward too. Highly...

Xanthe Judge

16 Apr 2022

Just amazing, my partner and I used Mortgage Choice over a year ago for our first home loan and have recently gone back to refinance. James has always taken the time to listen t...

Michael Van Brummen

08 Apr 2022

James, Ronnie, Bree and the team were very helpful throughout the whole process of purchasing our first home. Mortgage Choice North Lakes has earned my highest recommendation.

Ravindran Subramaniam

08 Apr 2022

I have dealt with James & his staff to get my loan organised. They were excellent in guiding us through the whole process & obtaining the loan for us. I will not hesitate to rec...

Lachlan Bancroft

05 Apr 2022

James and the team at North Lakes are an extremely professional business, who have gone above and beyond with helping me with two mortgages. I do and will continue to recommend...

Narelle Jackson

03 Apr 2022

Super understanding, supportive team, who make time for you and step you through everything. Have used this team twice for our mortgage and will continue to use and recommend as...

Ramin Jamali

01 Apr 2022

James and the team were fantastic to deal with. They were very informative and kept us up to date throughout the whole process. James was patient and answered all our questions...

Larry Dickson

08 Mar 2022

James and staff were excellent from start to finish!!!!! Highly recommend!!

John Rukas

25 Feb 2022

Mortgage choice North Lakes whent above and beyond when helping me refinance my home loan making sure i got the best deal .10/10

Jill and Matt McKinnon

23 Feb 2022

James was great, easy to understand and made things simple as it should be , highly recommend , thanks James

sharna hughes

10 Feb 2022

James was an incredible help to my partner and I with purchasing our first home. James promptly explained and updated us with every process throughout the purchase and ensured t...

Filip Dimkovski

07 Feb 2022

Great service and advice.

John Sax

02 Feb 2022

This is the third time using James service from mortgage choice. And again professional as can be, efficient and words can’t describe his ability to accomplish everything needed...

Shae Dearman

02 Feb 2022

James and his team are extremely efficient and super helpful. The guys go above and beyond to make sure everything runs smoothly. This is our 3rd house we have bought using Jame...

Kara Bailey

28 Jan 2022

Seriously can’t thank Bec and Bree enough for helping us through the home buying process!! We wouldn’t have been able to buy our dream home without them, can’t recommend these g...

Jamee Porteous

28 Jan 2022

My husband and I have been using James, Ronnie and Kate at Mortgage Choice North Lakes for over 7years now. They have always been fabulous to work with and understanding of our...

clint hayes

27 Jan 2022

Pretty disappointed helped with our first loan but did not return calls or emails with our second without continual hassling which ended up in no response at all, totally unders...

Lara Wilson

24 Jan 2022

Ronnie and the team at Mortgage Choice were great to deal with when buying my first home. They made the process really simple, and explained things at each step really well.

Punit Singh

13 Jan 2022

I am delighted with Morgage choice service for my home loan refinance they make your journey so easy by making this process very simple, provided best option which suits my requ...

Mel Ash

04 Jan 2022

Ronnie was very patient and professional when building my understanding of the processes involved when refinancing my home. This supported me to confidently make an informed ch...

Lilian Li

22 Dec 2021

Excellent team! Without them, the property wouldn't be settled before Christmas. Highly recommended!

Lisa Mills-Cardoso

21 Dec 2021

Thank you to Bec, Bree and the team at Mortgage Choice North Lakes. You guys made the whole process of refinancing so easy and stress free. Thank you.

Travis D

18 Dec 2021

I would like to express my deep gratitude to Ronnie, Lyn & Brie for the amazing service they provided me! This week I finally settled in my property. Unfortunately I was denied...

See all Google reviews

Hi James and Tammy, thank you for all your help and advice in the process of choosing a mortgage for our first home. We really appreciated the great communication throughout and would definitely recommend your services to anyone.

Ben & Jacqui, Burpengary, QLD
- First Home Buyer

I would be pleased to recommend James and his team from Mortgage Choice North Lakes 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
- Property Investor

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 North Lakes 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 and Tash Madden, Eatons Hill, QLD
- Property Investor

James & Tammy provided exceptional service throughout the whole engagement and made the financial aspect a very smooth process in what is normally a very stressful time, I would highly recommend James to anyone I know, confident in the fact that they will receive the same high level of service.

Steven & Hope Pinnoy, Murrumba Downs, QLD
- First Home Buyer

James Florance's service is extremely professional, courteous and prompt. He always returns calls in a timely fashion and was in regular contact via email. The home loan offered was a great flexible product and the loan application process was straight-forward and efficient. Thanks James!

Melinda Mitchell, North Lakes, QLD
- Upgrader

I couldn't be more happy and impressed with the service I received from both James and Tammy. From start to finish they were very informative and both went out of their way the entire journey. Knowing you are in good hands during a very stressful time is very comforting. James's local knowledge of the property market was also a big bonus for me. I have already recommended James to both family and friends and will continue to spread the word. Thank you for everything.

Y. Cochrane, North Lakes, QLD
- Upgrader

From the first meet and greet and pre-approval through to settlement, the service we have received has been second to none. We would encourage and recommend any first home buyer to enlist the services you offer. Our requirements were met, great financial advice was provided and we received thorough communication along the way. Thank you for your patience, your honesty and guidance which resulted in us achieving our dream of home ownership.

Jason & Heidi Medok, North Lakes, QLD
- First Home Buyer

Returned phone calls and emails in a timely manner. Was happy to explain things to me all the time (which was great as I was new to the whole process!) You were very organised and did exactly what you said you were going to do. Tammy was very helpful also and great at providing updates (without having to be asked) to let me know where things were at. So nice not to have to chase. Thanks for the great service

Janelle Murray, Paddington, QLD
- First Home Buyer

We were very happy with James Florance from Mortgage Choice North Lakes. His service was exceptional. He was easy to get in touch with and always returned calls very promptly. Between James and Tammy we were always kept up to date with everything and they were also lovely to deal with not to mention the great mortgage products they offer. We wouldn't hesitate to recommend James at Mortgage Choice.

M & J Livingston, Narangba, QLD
- Refinancer

We found James & Tam to be the most efficient & helpful professionals in relation to our financial requirements that we have ever dealt with & we certainly had faith after our initial visit (& then emails) that all would go smoothly. We have already been recommending you to our friends & family. Thank you for such a smooth process in the changes you helped us make with our home loan.

Robert and Karen, Narangba, QLD
- Refinancer

Hi James, your professionalism in our first telephone conversation and advice given over the phone at that point in time provided us with a high level of confidence and comfort to continue the conversation and action with yourself 6 months later. Your assistance with both the home mortgage and car finance enabled us to review our financial situation and set ourselves up for meeting our goals in the future. We look forward to a long association with yourself and your team. Thanks again!

R Hine & F Brown, Brighton, QLD
- Refinancer

Your service was fantastic. The whole process was made so much easier by having you as our Mortgage Broker. Your very approachable, and you clearly explain everything in easy to understand terms. We would certainly come back to you and highly recommend you to others.

S Rees & K Vowels, Mooloolah Valley, QLD
- Upgrader

Excellent service from the first phone call. Everything you had control of happened quicker than I expected. I now have loans with more flexibility than I expected & ticked all my requirements. The perseverance by Tammy with issues created by my old bank not paying attention to detail ensured everything progressed a lot quicker than I could have ever achieved. You have done a great job. Thank you.

Sue Smith, Sandgate, QLD
- Refinancer

Thanks James for everything you have done, you have made our dreams of owing an investment property come true! I would never go into a bank to apply for a loan James makes everything so easy!!!!

D. O'brien, Burpengary, QLD
- Property Investor

It was a pleasure to discuss in 'plain english' such an important part of our lives - the home loan. I asked a lot of questions which I'm sure was annoying but I was made to feel that it was totally fine. Hassle Free!

Donna Cooke, Deagon, QLD
- Refinancer

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

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