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 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




















Big news for First Home Buyers!!!The Home Buyer Guarantee Scheme has been updated to make it easier than ever to get int...
26/08/2025

Big news for First Home Buyers!!!

The Home Buyer Guarantee Scheme has been updated to make it easier than ever to get into your first home:

No more income caps

Property price limits have increased by region

No more limited places

This means more flexibility, more choice, and more opportunities for you to enter the property market.

If you’ve been thinking about buying, now is the perfect time to explore your options. I can help you understand what this means for you and guide you step by step.

Send me a DM or tap the link in my bio to get started.

Interest Rates Just DroppedThe Reserve Bank of Australia has reduced the cash rate by 0.25%.For many homeowners, this co...
12/08/2025

Interest Rates Just Dropped

The Reserve Bank of Australia has reduced the cash rate by 0.25%.
For many homeowners, this could mean lower repayments — and for some buyers, a bit more borrowing power.

If you’re already on a variable rate, your lender might pass on the cut, but it’s not always automatic. This is a good time to:

Review your current loan

See if your bank is offering you the best deal

Explore opportunities to refinance or invest

Every loan is different, so the best way to know how this change affects you is to get tailored advice.

If you’d like me to check your rate or help you understand your options — in English or Spanish — get in touch today.

Apparently my old YouTube antics make me a good TikTok candidate so I've finally joined it.It’ll be the same me, honest ...
08/08/2025

Apparently my old YouTube antics make me a good TikTok candidate so I've finally joined it.
It’ll be the same me, honest advice, simple explanations, and probably a few awkward camera angles.
If you're buying, refinancing, or just want to learn a thing or two about home loans (in English or Spanish), follow along.

Scan the code or find me at

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Perth, WA

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