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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

  • Financial Planning
  • 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

Lauren Evans

13 Jul 2021

James and the team at Mortgage Choice Northlakes were fantastic to deal with! They are extremely knowledgeable and made our first home purchase super easy. Couldn’t recommend th...

Ambika Shrestha

12 Jul 2021

I decided to visit Mortgage choice Northlakes as I felt I was misguided with the bank I was taking advice from. James assisted me and answered all the questions and I felt strai...

Beck Marks

09 Jul 2021

James was fantastic, and attended to our needs promptly and efficiently. Would recommend Mortgage Choice NorthLakes to anyone else selling and buying property.

Rohan Coolwell

01 Jul 2021

James was absolutely amazing and kept us informed every step of the way. With very short notice for James he made our situation work wonders within in a month we had our house a...

Belinda Staatz

29 Jun 2021

A huge thank you to James and his wonderful team at Mortgage Choice North Lakes for such a wonderful and helpful service. My family and I, are so excited to enjoy our new home....

Aidan Biles

24 Jun 2021

James and the entire team at Mortgage Choice North Lakes was nothing short of perfect throughout the process. Responsive and achieved exactly what we needed in a short period of...

Lisa Storck

23 Jun 2021

I recently refinanced my home loan with James. He explained the whole loan process in detail and kept me well informed up until settlement. I would definitely recommend James if...

Craig Superbee

04 Jun 2021

Great service from James and the team, Bree especially. Very professional, timely and courteous, I highly recommend!

Lee Mccarthy

19 May 2021

Disgusting to have a staff member abuse a person for parking in a car park and threatening to tow a car with a 9 year old child in the car. To the point they were almost in tear...


17 May 2021

We first utilised James Florance Mortgage Choice - North Lakes, 8 years ago to purchase our family home. As it was then and again now with selling and upsizing our property, the...

Aaron Cullen

17 May 2021

Absolutely fantastic business to work with, extremely helpful and understanding. James and the team made our first purchase less stressful and fully supported us through constan...

Peter Carne

14 May 2021

We have used Mortgage Choice North Lakes to broker multiple properties over the years. James and his Team are fantastic and we highly recommend them.

Ebonee Gee

22 Apr 2021

Just went through the process of buying my first home and it was great having the help and support from the team at Mortgage choice NL. Lovely team and a great help ! ??


19 Apr 2021

James and his colleagues are very professional, efficient. Only give the best suggestions. We have a very complicated case and they managed it very well. Helped us get our finan...

Jashlini Nand

29 Mar 2021

Called to initiate car loan, was promised a call back or an email regarding progress, but did not receive either, despite leaving messages. Extremely disappointing experience, o...

Terry Osborne

24 Mar 2021

James and his team where the difference in getting our loan,rejected at the last moment by our bank ,he had us an approved mortgage with no time to spare.i will be praising Jam...

Michelle Mastroianni

24 Mar 2021

Great assistance and great attention for detail for the home loan process!

Courtney Pearse

07 Mar 2021

If you are looking for a knowledgeable, professional and genuine mortgage broker, I could not recommend James enough! He made the process of buying our first home stress free an...

Reece Glister

25 Feb 2021

The team at Mortgage Choice North Lakes were very professional and were able to accommodate us with our first home. I would like to thank them for the efforts and service they p...

Lee-Anne Spinks

23 Feb 2021

I honestly could not be happier with the service I received from Bec. She responded to my many, many questions promptly and professionally. Bec is super friendly and very easy t...

Belinda Shield

15 Feb 2021

James and his team are the best, I would highly recommend them to anyone wanting mortgage advice. Being our first home I am very glad we went through Mortgage Choice at North L...

Anneke Eijkman

09 Feb 2021

After having trouble communicating with banks and hitting road blocks regarding a home loan, we turned to James for help and we are so thankful we did. He worked quickly and ver...

Dara Nam

02 Feb 2021

Can only say good things about James and his team. Helpful, responsive and good quality service. Thank you for helping us with our mortgages ????

Kimberlie Suna

19 Jan 2021

I arranged a mortgage for my first house with James 3 years ago. All through the process he was in constant contact with me giving me updates and assisting until settlement. V...

Sallie Donnelly

12 Jan 2021

From our very first meeting with James, he made applying for our home loan a very pleasant experience. He guided us with everything we needed to do regards to what was required...

Ivan Gaiduk

12 Jan 2021

Had an overall beautiful experience with James. He was helping me out with a mortgage for my first house. Our first in-person meeting was very quick and professional, he's got...

Craig Cruzin

17 Nov 2020

James and his staff are super efficient and such a breeze to deal with. Everything went very smoothly. Highly recommend

Nick Kidd

10 Nov 2020

James and team were very easy to deal with.

Richard Kerr

10 Nov 2020

Excellent professional service.

J Nuks

23 Oct 2020

Cant thank Rebecca enough for all the hard work she has done to make sure me and my partner get into our new home. Jordan & Eden

Kate Wilson

20 Oct 2020

James and the team we're really helpful in securing our first mortgage. James took the time to explain our options and never made us feel like we were asking silly questions.

Mark Faulkner

19 Oct 2020

Amazing people to work with

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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