Mortgage Brokers in Randwick, Coogee, Bondi & Surrounds.

Call: 02 9190 5565

We understand that finding a suitable mortgage can be an overwhelming experience. My name is Tzuri Avila, and together with my team we’ll help simplify things for you.

Call Us Mortgage Choice Randwick
Office - 02 9190 5565

Open Hours Mortgage Choice Randwick
Monday - Friday: 8.00 am - 6.00pm
After hours by appointment
Free Appointment

Address

Level 2, 65-71 Belmore Road RANDWICK, NSW 2031

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As professional Mortgage Brokers, we compare your options, provide choice, market knowledge and deliver excellent service.

We can help you with:

We know there are many different loans available and that the home loan process can be daunting. Currently, the home loan market is very competitive with lenders regularly refining their products and introducing new ones.

To make sure you get the right loan for your situation, you have to know where to look. And that's where Mortgage Choice Randwick can help.

We work with 30+ lenders and have access to thousands of loan options to find you the best loan.

We're your local refinancing experts - here to help you!

Refinancing is simply changing an existing mortgage or home loan to a new loan with either the same lender or a new lender. Typically you'd do this to secure a better interest rate and/or better loan features.

View our short video to understand more about refinancing.

Refinancing your home loan can be a great way to reduce your mortgage repayments and save money, switch to a home loan product with better features, consolidate debt or access equity. Wondering if refinancing is the best option for you? Let's chat.

Call Tzuri and his team today on 02 9190 5565 for a no obligation free chat to help you achieve your property goals.

_{As your local mortgage brokers we service Randwick, Coogee, Maroubra and Bondi.}

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Client reviews

Tzuri was absolutely fantastic as my mortgage broker He went above and beyond to help me secure the best possible loan for my needs. His knowledge and expertise were invaluable, and he was always patient and understanding. Tzuris empathetic approach made the entire process stress-free. I highly recommend him to anyone looking for a dedicated and trustworthy mortgage broker.

Jordan
13 September 2024

I found Tzuri through a friend while I was struggling to get a good deal for my home loan refinancing. My case was complicated, but Tzuri through his experience and professionalism was able to achieved what I was looking for. I highly recommend Tzuri to anyone looking for a mortgagerefinance. I will definitely use his services again in future.

27 August 2024

As first time buyers, we found Tzuri and Hayley to be incredibly helpful and supportive. Tzuri took the time on a public holiday to talk through the basics of how applying for a mortgage works, what wed need, what we could get, and even recommended some suburbs for us to explore.
Throughout the process they answered any questions we had in a really helpful, realistic way, and we really appreciated havi... read more

Lieha
27 June 2024

Thanks Tzuri for getting us a good mortgage and for your patience and understanding during the arduous process of looking for a place to buy.

Leah
28 March 2024

It was Gods grace that we met Tzuri. As a first generation migrants we had neither much resources nor ideas , all we had was a dream and Tzuri made it happen. He helped us in every way to make our dreams turn into reality, such a wonderful person with a great talent.
Will always be special to us .
Thank you
Rai Sue Levi

22 February 2024

Tzuri was so professional and worked really hard to get my partner and I the best home loan for us. He was a great communicator and made the process feel so smooth and stress free.

Louise
12 February 2024

Tzuri was incredibly helpful. An absolute pleasure to deal with. Professional in every way and went out of his way to get us the best interest rate. I couldnt recommend him enough to look after you. You wont be disappointed.

Colin
12 February 2024

Tzuri is a fantastic mortgage advisor. He is very thorough and patient and takes time to explain everything very clearly.
1010 recommend Tzuri Thanks again for all your help this year in helping us purchase our first home

Emily
23 November 2023

Tzuri is very professional, responsive and patient. We would highly recommend him to anyone looking for a good honest broker.

Andrew
17 May 2023

Thanks for your help Tzuri, really appreciate it

Buster
27 February 2023

Refinancing guide

If you’re thinking about refinancing, this guide can help you learn more about the refinancing process, benefits and options available.

Download now

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The borrowing amount is a guide only. Loan repayments are based on the lowest interest rate (either standard variable or 3-year fixed rate, owner occupier) from our lender panel over a repayment period of 30 years. Rates and repayments are indicative only and subject to change. The results from this calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.

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There's a lot to consider when choosing the right loan.

The lowest interest rate from our lender panel is either standard variable or 3-year fixed for an owner-occupier. Rates and repayments are indicative and subject to change. The results from this calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.

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Extra Information

Home Buyer Concession Scheme

From 1 July 2019, the FHOG ACT has been replaced with exemptions on stamp duty. The stamp duty exemption is applicable to all properties in ACT, including vacant residential land and both new and established homes at any price. As this is still to aid first home buyers, to be eligible at least one buyer must live in the home for at least 12 months, starting within 12 months of settlement or completion of construction.

To be eligible, first homeowners in the ACT must have a household income below $160,000. This number increases up to $176,650 depending on the number of children you may have.

Click here for more information on the ACT First home Owner Grant.

Stamp duty concessions in NSW

From 1 August 2020, the NSW government has announced that stamp duty will not be applicable to first home buyers for properties valued up to $800,000 and vacant land valued up to $400,000. This stamp duty exemption will be in place for 12 months to 31 July 2021, in which the stamp duty exemptions will revert back to $650,000 for homes and $350,000 for land.

Additionally, a concessional rate of duty will apply to homes valued more than $800,000 but less than $1,000,000 and vacant blocks of land valued more than $400,000 and less than $500,000

How much is the First Home Owners Grant NSW?

The FHOG in NSW is worth $10,000 however conditions apply. To be eligible, your first home must have a total value below $600,000, and be either newly constructed or ‘substantially renovated’. A home is substantially renovated when most or all of the original house was removed or replaced, and it’s the first time the place has been sold, and lived in, after the renovations were completed.

If you plan to build a new home from scratch, you can still be eligible for the FHOG in NSW as long as your land plus the home you build have a combined value of less than $750,000.

Click here for more information on the NSW First Home Owner Grant.

How much is the First Home Owners Grant in the NT?

The First Home Owner Grant in NT is $10,000. Your income and the price of your home don’t affect the FHOG NT, and the grant is available if you buy or build a new house, apartment, duplex or townhouse.

As of 30 June 2021, there are currently no stamp duty concessions for first home buyers in NT.

Previously the Territory’s First Home Owner Discount was in place from 8 February 2019 to 30 June 2021. It let you save up to a maximum of $18,601 on the cost of stamp duty. The savings were available whether you purchased a new or established home as long as the home was valued under $650,000.

Click here for more information on the NT First home Owner Grant.

How much is the First Home Owners Grant QLD?

As a first home buyer in Queensland you could be entitled to the $30,000 First Home Owner Grant. To be eligible, you need to buy a brand new home or build a home from scratch with the total value (including the land) below $750,000. You may also be eligible if you buy off the plan or an established home that’s been substantially renovated.

As a guide, substantial renovations include replacing or altering foundations or replacing or altering floors. Cosmetic work such as painting the walls or sanding floors doesn’t add up to a substantial renovation when it comes to the FHOG in QLD.

Stamp duty concessions

If you’re buying vacant land to build your first home, you pay zero stamp duty as long as you pay $250,000 or less for your block. Concessions are available for vacant land valued above $250,000 and up to $400,000. Whereas if your first home is valued up to $500,000, you pay zero stamp duty. That’s a saving of $7,175 which is the maximum stamp duty rebate available to first home buyers in QLD.

Additionally, savings on stamp duty may still be available if you pay between $500,000 and $550,000 for your first home. As a guide, if your first home is worth $530,000, you pay stamp duty of $6,300 a saving of $3,500. These savings cut out altogether if your first home costs $550,000 or more.

Click here for more information on the QLD First home Owner Grant.

How much is the First Home Owners Grant SA?

There are currently no specific stamp duty concessions available for first home buyers in SA.

The $15,000 FHOG in South Australia is only available to first home owners who buy a new home. You can choose from a house, apartment, townhouse or villa.

You will only be able to claim the FHOG SA if you pay below the following amounts for your home:

Before 14 June 2023: $575,000
After 15 June 2023: $650,000

You can also claim the First Home Owner Grant in South Australia when you buy a block of vacant land to build your first home on. However, the end value of your building plus land must be no more than $575,000.

Click here for more information on the SA First home Owner Grant.

Stamp duty concessions in TAS

If you buy an established home, you are not eligible for the FHOG in Tasmania but you may be able to claim savings on stamp duty. If you’re home is valued at

$400,000 or less, you will receive a 50% discount on the property transfer duty (stamp duty).

How much is the First Home Owners Grant TAS?

The FHOG Tasmania is worth $30,000 until 30 June 2022 but only when you buy or build a new home. Off the plan purchases are also eligible. In Tasmania, there is no limit on the purchase price of the property, and the FHOG is not means tested.

Click here for more information on the TAS First home Owner Grant.

Stamp duty concessions in VIC

First home owners in Victoria don’t pay stamp duty at all on their first home as long as the property is valued below $600,000. You may still be eligible for savings on stamp duty if you pay between $600,000 and $750,000 for your first home. The stamp duty concessions available in Victoria apply to both established and new homes.

How much is the First Home Owners Grant VIC?

The FHOG Victoria is only available if you buy a newly built home or if you choose to build a home from scratch. The FHOG is worth $10,000 if you build/buy in Victoria.

Your first home can be a house, townhouse, apartment, or unit but it must be valued at $750,000 or less, and it must be a new home – being sold as a home for the first time, and less than five years old.

Click here for more information on the VIC First home Owner Grant.

Stamp duty concessions in WA

If you buy vacant land to build your first home, you’re exempt from paying stamp duty as long as you don’t pay more than $300,000. If you pay between $300,000 and $400,000 you will be entitled to a reduced rate of duty.

From 09 May 2024, if you buy a home costing up to $450,000, no stamp duty is payable at all. If the value of your home is between $450,000 and $600,000, you’ll be entitled to a reduced rate of stamp duty.

There are no additional concessions for homes valued above $600,000 and land valued above $400,000.

How much is the First Home Owners Grant WA?

The FHOG WA is worth $10,000 when you buy or build a brand new home. There are limits on what you can pay for your first home to be eligible for the FHOG in Western Australia.

If you’re located south of the 26th parallel, which basically covers all the Perth metropolitan area, you can claim the FHOG WA if your new home is worth up to $750,000 – this includes the value of the land plus buildings.

If you buy or build a home north of the 26th parallel, the property must be valued up to or below $1 million to be eligible for the FHOG WA.

The First Home Owner Grant in Western Australia is no longer available if you buy an established home however you may be able to claim stamp duty savings.

Click here for more information on the WA First home Owner Grant.

State / Territorial Revenue Web Sites

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Mortgage Brokers in Randwick, Coogee, Bondi & Surrounds.

As professional Mortgage Brokers, we compare your options, provide choice, market knowledge and deliver excellent service.

We can help you with:

We work with 30+ lenders and have access to thousands of loan options to find you the best loan.

We're your local refinancing experts - here to help you!

Refinancing is simply changing an existing mortgage or home loan to a new loan with either the same lender or a new lender. Typically you'd do this to secure a better interest rate and/or better loan features.

Refinancing your home loan can be a great way to reduce your mortgage repayments and save money, switch to a home loan product with better features, consolidate debt or access equity. Wondering if refinancing is the best option for you? Let's chat.

Call Tzuri and his team today on 02 9190 5565 for a no obligation free chat to help you achieve your property goals.

_{As your local mortgage brokers we service Randwick, Coogee, Maroubra and Bondi.}

Client reviews

Refinancing guide

Help me calculate

How much can I borrow

Home loan repayment calculator

Stamp duty calculator

2nd Applicant

Extra Information

Home Buyer Concession Scheme

Stamp duty concessions in NSW

How much is the First Home Owners Grant NSW?

How much is the First Home Owners Grant in the NT?

How much is the First Home Owners Grant QLD?

Stamp duty concessions

How much is the First Home Owners Grant SA?

Stamp duty concessions in TAS

How much is the First Home Owners Grant TAS?

Stamp duty concessions in VIC

How much is the First Home Owners Grant VIC?

Stamp duty concessions in WA

How much is the First Home Owners Grant WA?

State / Territorial Revenue Web Sites

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