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.

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.

11/05/2026

Buenas noticias para quienes quieren comprar casa en WA.
El Budget 2026 de Western Australia acaba de traer cambios importantes para first home buyers:

✔️ Más propiedades exentas de stamp duty
✔️ Nuevos límites para terrenos
✔️ Más acceso al First Home Owner Grant

Pero mientras más personas entren al mercado… más presión podría haber sobre los precios.
Si estás pensando en comprar tu primera propiedad, este puede ser un buen momento para entender tus opciones antes de que el mercado vuelva a cambiar.

DM si quieres revisar tu situación o saber cuánto podrías comprar.

Interest rates are on the move again.The Reserve Bank of Australia has increased the cash rate today in an effort to man...
05/05/2026

Interest rates are on the move again.

The Reserve Bank of Australia has increased the cash rate today in an effort to manage inflation.
What this means for you: If you have a variable home loan, your repayments are likely to go up. Fixed rates won’t change immediately, but this can influence future pricing.

Now is a good time to review your loan and make sure it’s still working for you. There may be options to reduce the impact or improve your position.
If you want to understand how this affects you personally, feel free to reach out.





Recent WA Government changes could make it easier to buy your first home.✔ Up to $860K purchase price✔ From 2% depositTh...
16/04/2026

Recent WA Government changes could make it easier to buy your first home.

✔ Up to $860K purchase price
✔ From 2% deposit

This could mean getting into the market sooner than you thought.
Not sure if it applies to you?
Send me a message and I’ll walk you through it.


Would a 2% deposit help you get into the market sooner?

Congratulations Sherell and Darwen on your new investment property 🥳🥳
06/02/2026

Congratulations Sherell and Darwen on your new investment property 🥳🥳

Customer Reviews
26/09/2025

Customer Reviews




















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Perth, WA

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