Tella Home Loans

03/06/2026

Don’t mistake a 2.25% OCR hold for stability.

While the official rate remains static, swap rates are climbing.

👇 Here’s why your mortgage strategy needs a reset.

https://tella.co.nz/blog/ocr-hold-vs-rising-swap-rates-rethinking-your-debt-strategy

The RBNZ has held the OCR at 2.25%, but rising swap rates suggest a shift. Discover how to stress-test your mortgage strategy for a higher-rate future.

02/06/2026

The safest looking property on paper?
It’s often the biggest cash-flow trap in today’s market. 🪤

When comparing an existing home against building new, 80% of buyers rely on one specific assumption to protect their budget.

They look at the :
📜Upfront contract structures,
👍Pick the path that feels the most certain,
😮‍💨And think they’ve avoided a budget blowout.

But they are completely ignoring what happens next.

There is a massive financial blind spot after settlement that completely changes what a property costs to hold week-to-week.

👇Swipe to see exactly how this hidden mistake impacts your budget.

𝗪𝗮𝗻𝘁 𝘁𝗼 𝗸𝗻𝗼𝘄 𝘄𝗵𝗶𝗰𝗵 𝗽𝗮𝘁𝗵𝘄𝗮𝘆 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝘀 𝘆𝗼𝘂𝗿 𝗰𝗮𝘀𝗵 𝗳𝗹𝗼𝘄?
𝗖𝗹𝗶𝗰𝗸 𝘁𝗵𝗲 𝗹𝗶𝗻𝗸 𝗶𝗻 𝗼𝘂𝗿 𝗯𝗶𝗼 𝘁𝗼 𝘀𝗰𝗵𝗲𝗱𝘂𝗹𝗲 𝗮 𝗾𝘂𝗶𝗰𝗸 𝗰𝗵𝗮𝘁 𝘄𝗶𝘁𝗵 𝘂𝘀!

01/06/2026

Happy King’s Birthday! 👑

The best kind of Monday is a three-day weekend Monday.

Whether you're tracking down the best local coffee, tackling some DIY around the house, or doing absolutely nothing at all, enjoy the extra day off. (We’ll worry about the Tuesday inbox pileup tomorrow). 😉

How are you spending the extra day? ☕️

29/05/2026

Buying with less than a 20% deposit? Then you can't afford to ignore low equity costs. 💸

Jess reveals how this hidden cost can easily blindside first home buyers in Episode 4 of this week's .

Tune in to the full clip to catch her insights! 👀

28/05/2026

Imagine crossing the home buying finish line, only to find out you can’t get the keys. 😨

Why?

Assuming your deposit is the final hurdle when it only buys the property, not the paperwork.

This is the exact trap that catches thousands of first home buyers completely by surprise.

👇Slide through to see the exact costs you need to budget for, plus how to handle them smoothly.

📌𝗦𝗮𝘃𝗲 𝘁𝗵𝗶𝘀 𝗽𝗼𝘀𝘁 𝘁𝗼 𝗹𝗼𝗼𝗸 𝗯𝗮𝗰𝗸 𝗼𝗻 𝘆𝗼𝘂𝗿 𝘀𝗲𝘁𝘁𝗹𝗲𝗺𝗲𝗻𝘁 𝘄𝗲𝗲𝗸.
✅𝗙𝗼𝗹𝗹𝗼𝘄 Tella Home Loans 𝗳𝗼𝗿 𝗺𝗼𝗿𝗲 𝗲𝘅𝗽𝗲𝗿𝘁 𝗵𝗼𝗺𝗲 𝗯𝘂𝘆𝗶𝗻𝗴 𝘁𝗶𝗽𝘀!

27/05/2026

The one piece of housing market advice first home buyers need to stop listening to. 👇

There’s a huge narrative right now that FHBs have to give up on standalone homes and yards. 𝗦𝗽𝗼𝗶𝗹𝗲𝗿 𝗮𝗹𝗲𝗿𝘁: 𝘆𝗼𝘂 𝗱𝗼𝗻’𝘁. ❌

The latest Q1 2026 data says otherwise: a massive 77% of first-home buyers are still scoring standalone houses.

Despite the tough market and everything you hear in the news, the classic dream of a standalone home is still very much alive and achievable for FHBs.

It all comes down to having the right strategy, getting your ducks in a row early, and having the right team in your corner. ✅

Are you one of the 77%?

26/05/2026

What’s worse:
Missing out on the home, or losing your hard-earned deposit?💸

When the market moves quickly, it's easy to feel completely stuck and desperate. You either play it too safe and watch other buyers snap up the keys, or rush in blindly just to win.

But guessing your way through the biggest purchase of your life is a massive gamble. You shouldn’t have to make that trade-off.

𝗧𝗵𝗮𝘁’𝘀 𝘄𝗵𝗲𝗿𝗲 𝘄𝗲 𝗰𝗼𝗺𝗲 𝗶𝗻. 👋

To take the stress out of the equation. We help you prep your finances early, giving you a safe AND fast path forward to buy with peace of mind.

Ready to take control of your next property move?
Let’s hop on a quick call.

24/05/2026

The latest 𝗖𝗼𝘁𝗮𝗹𝗶𝘁𝘆-𝗪𝗲𝘀𝘁𝗽𝗮𝗰 𝗥𝗲𝗽𝗼𝗿𝘁 𝗳𝗼𝗿 𝗤𝟭 𝟮𝟬𝟮𝟲 is out, and the data is looking promising for prospective first home buyers in NZ. 🙌

We’ve pulled the key takeaways into a quick breakdown of what’s actually happening in the market right now. 👇

https://tella.co.nz/blog/westpac-cotality-first-home-buyer-report-2026

Analysis of the Q1 Cotality-Westpac report. Learn why standalone houses and low-deposit loans are dominating the 2026 NZ property market.

22/05/2026

In episode 3 of our series , Jessica Sen covers a mistake that catches out even the most prepared buyers.

💰 𝗧𝗵𝗲 𝗞𝗶𝘄𝗶𝗦𝗮𝘃𝗲𝗿 𝘄𝗶𝘁𝗵𝗱𝗿𝗮𝘄𝗮𝗹 𝗹𝗮𝗴.

Check out the full clip to see what Jess has to say!

19/05/2026

From many questions to new home keys🗝️✨

We love that Jodi Stevenson and Chris Stevens were able to clear the path for our latest homeowners!

Whether your situation is straightforward or has a few extra hurdles, our goal is always to provide the practical support you need to move in with confidence.

Thank you so much to Sharon for the lovely review and kind recommendation! 🥰