Tzuri Avila

Mortgage Broker for Coogee, Randwick, Maroubra and Sydney's eastern suburbs

Call: 02 9190 5565

Finding the right home loan or business loan is complicated. We make it simple.

We do the paperwork and lender chasing.

Give us a call to have a general chat about what you're looking to do.

Call Us Mortgage Choice Randwick
Office - 02 9190 5565

Open Hours Mortgage Choice Randwick
Monday - Friday: 8.30am - 6.00pm
After hours by appointment
Free Appointment

Address

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

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Welcome! Start your home loan journey today

At Mortgage Choice Randwick

We're committed to doing the heavy lifting and making sure you have a great experience.

With over 20 lenders and over 3 thousand products, we know it is hard to compare all of the options.

We'll meet face to face, on-line (zoom or google hangout), or over the phone to start understanding your credit profile and what you are looking to do. Then we'll get to work for you at no cost to you.

We're located in Randwick near Prince of Wales Hospital and The Sydney Children's Hopital in Randwick which gives us the opportunity to service many suburbs like Coogee, Maroubra, Kingsford, Pagewood, Eastgardens, Kensington, and Matraville.

Looking forward to meeting you but in the meantime, below are some great videos on how we can help you, and about what make us unique.

Your dedicated mortgage broker in Coogee, Randwick and Maroubra

What sets us apart is our true dedication & personalised service for each and every customer. No two loans are the same, and our team would love to find you the tailored finance solution that will suit you for years to come.

Call the Mortgage Broker Coogee and Ranwick team on 02 9190 5565 or email us on tzuri.avail@mortgagechoice.com.au

We have your best interests at heart

We know how important it is for you to be able to trust the advice we give. Our service at Mortgage Choice in Coogee and Randwick comes at no cost to you as your chosen lender pays us a commission after your loan settles.

The home loan process:

If you have more questions or are ready to get started, call Tzuri and his team today on 02 9190 5565

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What is a home loan pre-approval?

What is refinancing?

What we specialise in:

First home buyer loans
Home loan - refinance
Property Investment loan
Property Investment loan - refinance
Off-the-plan investment purchase & planning
Personal loans
Car loans & equipment finance
Self-managed super fund advice, strategy, set up & finance
Relocating and bridging loans
Deposit bonds
Life, risk & income protection insurance
Home contents & landlords insurance

Our commitment to you is to help you choose the finance & protection that's right for you.

If you have have more questions or are ready to get started, call Tzuri and his team today on 02 9190 5565.

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Google Reviews

See all Google reviews

Dharma Chandran, Randwick , NSW
- Property Investor
Tzuri provided exemplary advice and an outstanding customer experience in helping us secure a mortgage for our property purchase.

Phil Daley, Marrickville, NSW
- Refinancer
Tzuri was an absolute Gentleman.

After months dealing with banks (and bank staff) and getting nowhere it was a breath of fresh air and pleasure to deal with Tzuri.

Tzuri was prompt, on time, attentive and listened to what our requirements were. He understood our needs and kept us informed throughout the whole process. Unlike the banks.

In the end we got a great deal which was the main objective. Even when the bank we were leaving was being difficult Tzuri stepped in and assisted us through the process.

I would have no hesitation in recommending Tzuri to anyone thinking of applying for a loan.

Maree Gilchrist, Marrickville, NSW
- Refinancer
Positive: Professionalism, Quality, Responsiveness
Tzuri is the best in the biz! Polite, professional and gets the job done as promised. I would highly recommend his services. Don’t look any further, he is the man who will help save you money and navigate all the mind boggling paperwork involved in refinancing your mortgage. Thanks Tzuri.

Refinancing guide

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

Download now

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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 $15,000 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 $400,000 or less for your block. 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 or build a brand new home. You can choose from a house, apartment, townhouse or villa, but you will only be able to claim the FHOG SA if you pay below $575,000 for your home.

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.

If you buy a home costing up to $430,000, no stamp duty is payable at all. If the value of your home is between $430,000 and $530,000, you’ll be entitled to a reduced rate of stamp duty. There are no additional concessions for homes valued above $530,000 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 Broker for Coogee, Randwick, Maroubra and Sydney's eastern suburbs

Randwick

Welcome! Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

At Mortgage Choice Randwick

With over 20 lenders and over 3 thousand products, we know it is hard to compare all of the options.

Your dedicated mortgage broker in Coogee, Randwick and Maroubra

We have your best interests at heart

The home loan process:

If you have more questions or are ready to get started, call Tzuri and his team today on 02 9190 5565

What is a home loan pre-approval?

What is refinancing?

What we specialise in:

If you have have more questions or are ready to get started, call Tzuri and his team today on 02 9190 5565.

Google Reviews

Dipak Kumar

Gali Sharon

mendy barber

Katie Albright

diana martincich

Lana “Banana”

Michael Berk

Joel Callaghan

Amandeep Sidhu

Dharma Chandran

Maree Gilchrist

Phil Daley

Dan Aston

Margarita Vlachos

Paul B

Yosef Eichenblatt

Tom Khoury

Refinancing guide

Help me calculate

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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