Ron Terrazas - Mortgage Broker

Ron Terrazas - Mortgage Broker DM for expert advice | Envíame un mensaje para asesoramiento

Spanish/English Mortgage Broker
17+ years helping families in Australia with home loans & refinancing.
17+ años ayudando a familias en Australia con préstamos y refinanciamiento.

The RBA has kept the cash rate at 4.35%.This brings short-term stability, but your current home loan may not be the most...
11/08/2026

The RBA has kept the cash rate at 4.35%.

This brings short-term stability, but your current home loan may not be the most competitive.

Book a quick call via the link in my bio (En Español también 😉) If you haven’t reviewed your mortgage recently, now is a good time to check your options.

Buying, refinancing or investing? I can help.

Great to attend the Bankwest Curtin Economics Centre event today, discussing the future of WA's resources sector and the...
24/06/2026

Great to attend the Bankwest Curtin Economics Centre event today, discussing the future of WA's resources sector and the broader economic outlook.

As a mortgage broker, it's important to stay informed about the economic trends that influence interest rates, employment, property markets, and lending conditions.
Understanding the bigger picture helps me provide better guidance to my clients when making some of the biggest financial decisions of their lives.

Has investing in property become more difficult?With recent discussions and changes around negative gearing and property...
22/06/2026

Has investing in property become more difficult?

With recent discussions and changes around negative gearing and property investment, many Australians are wondering whether investing in property still makes sense.

The good news is that negative gearing has never been the only strategy available to property investors.

Many homeowners have built significant equity in their owner-occupied property over the years. Depending on your circumstances, that equity may be able to help you take the next step into property investment, even in a changing market.

Every situation is different, but there may be opportunities available that you haven't considered.

Whether you're:
✅ Looking to purchase your first investment property
✅ Wondering how much equity you have available
✅ Exploring ways to build long-term wealth through property
✅ Unsure how recent changes affect your plans

I'm happy to help you understand your options and create a strategy that suits your goals.

Book a quick call through the link in my profile, or send me a message to start the conversation.

English and Spanish service available.
Australia-wide.


Interest Rates Remain on HoldThe Reserve Bank of Australia has decided to keep the cash rate unchanged today.While this ...
16/06/2026

Interest Rates Remain on Hold

The Reserve Bank of Australia has decided to keep the cash rate unchanged today.

While this is welcome news for many borrowers, it's still a good opportunity to review your home loan and make sure you're getting a competitive deal.

Whether you're buying your first home, refinancing, or simply wanting to understand your options, I'm here to help.

Book a quick call through the link in my bio.

Still paying rent?Many people think they need a 20% deposit to buy their first home.The reality is that eligible buyers ...
10/06/2026

Still paying rent?

Many people think they need a 20% deposit to buy their first home.

The reality is that eligible buyers may be able to purchase with as little as 5% deposit and access government support programs and still avoiding having to pay Lenders Mortgage Insurance (LMI).

If you've been wondering whether home ownership is closer than you think, let's have a chat.

First Home Buyer Programs Potential LMI exemptions
English & Spanish support
Australia-wide service

Book a free appointment through the link in my bio.

02/06/2026

Siempre es un placer apoyar iniciativas que mantienen viva nuestra cultura y crean espacios para que nuestra comunidad se reúna y comparta.

Les deseo mucho éxito a con Un Salto Atrás. Estoy orgulloso de poder aportar un pequeño granito de arena a este proyecto.





The 2026 Federal Budget introduced several changes that could impact both first home buyers and property investors acros...
13/05/2026

The 2026 Federal Budget introduced several changes that could impact both first home buyers and property investors across Australia.

Some of the key changes include:
• More support for buyers with lower deposits
• Tax cuts
• Changes to negative gearing
• Student debt reductions
• More investment into housing and infrastructure

But beyond the headlines, what really matters is understanding how these changes may affect YOUR borrowing capacity, investment strategy and long-term goals.

Every situation is different. Some people may already be in a better position to buy or invest than they realise.

If you’d like to understand your options, feel free to reach out. Link on my bio.

El Presupuesto Federal 2026 trajo varios cambios que podrían impactar tanto a compradores de primera vivienda como a inv...
13/05/2026

El Presupuesto Federal 2026 trajo varios cambios que podrían impactar tanto a compradores de primera vivienda como a inversionistas en Australia.

Entre los puntos más importantes:
• Más apoyo para compradores con depósitos bajos
• Recortes de impuestos
• Cambios en negative gearing
• Reducción de deudas estudiantiles
• Más inversión en vivienda e infraestructura

Pero más allá de los titulares, lo importante es entender cómo estos cambios pueden afectar TU situación financiera, tu capacidad de endeudamiento y tus planes a futuro.

Cada caso es diferente. Hay personas que podrían estar en mejor posición para comprar o invertir de lo que creen.

Si quieres revisar tus opciones, conversemos. Pide una cita en el link en mi bio.

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Perth, WA

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