Rani Nalam - Financial Adviser

09/10/2026

02/10/2026

𝐖𝐡𝐚𝐭 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲 𝐭𝐡𝐢𝐬 𝐡𝐚𝐬 𝐛𝐞𝐞𝐧! 🏡💙

A huge thank you to my wonderful clients for trusting me to be part of such an important milestone. It was an absolute privilege to guide you through the process and help turn your homeownership dream into a reality.

Seeing your excitement when you finally received the keys made every step worthwhile. 🔑✨

Thank you for allowing me to be part of your story and for putting your trust in me. I’m so grateful to have been your guide throughout this journey.

𝐂𝐨𝐧𝐠𝐫𝐚𝐭𝐮𝐥𝐚𝐭𝐢𝐨𝐧𝐬 𝐭𝐨 𝐭𝐡𝐢𝐬 𝐛𝐞𝐚𝐮𝐭𝐢𝐟𝐮𝐥 𝐟𝐚𝐦𝐢𝐥𝐲— 𝐰𝐢𝐬𝐡𝐢𝐧𝐠 𝐲𝐨𝐮 𝐦𝐚𝐧𝐲 𝐡𝐚𝐩𝐩𝐲 𝐦𝐞𝐦𝐨𝐫𝐢𝐞𝐬 𝐢𝐧 𝐲𝐨𝐮𝐫 𝐧𝐞𝐰 𝐡𝐨𝐦𝐞! 🏡💙

08/09/2026

As a mortgage adviser, I see how much smoother a move can be when the lending is sorted before the house hunt begins. 🏡

Selling and buying at the same time can bring plenty of moving parts — your numbers, deposit, lending capacity, bridging finance and going unconditional.

My biggest tip?
𝐃𝐨𝐧’𝐭 𝐥𝐞𝐚𝐯𝐞 𝐭𝐡𝐞 𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐮𝐧𝐭𝐢𝐥 𝐭𝐡𝐞 𝐥𝐚𝐬𝐭 𝐦𝐢𝐧𝐮𝐭𝐞.

A little preparation upfront can give you more confidence, better choices and far less stress along the way.

That’s why I’m excited to share our 5-week Spring Series with practical tips to help you prepare for your next move.

𝑭𝒐𝒍𝒍𝒐𝒘 𝒂𝒍𝒐𝒏𝒈 — 𝑾𝒆𝒆𝒌 1 𝒊𝒔 𝒄𝒐𝒎𝒊𝒏𝒈 𝒔𝒐𝒐𝒏

04/09/2026

Thinking about buying with family? 🏡

Don’t guess. Let’s make the numbers work.

Message me on 0212471579 and let’s explore your options.

01/09/2026

“Just move somewhere cheaper” sounds simple — but buying a home is never just about the house price.
Where you live affects your mortgage repayments, income, commuting costs, lifestyle, family support and long-term plans.
The latest affordability numbers are encouraging nationally, with mortgage servicing now taking a smaller share of household income than it did previously. But the difference between cities is significant.
For first-home buyers, this is why I always say: don’t automatically rule yourself out.
Look at the numbers. Look at different locations. Understand what you can actually afford — and then make a decision that works for your life, not just the headline house price.
Sometimes a change of location can genuinely change the affordability equation.
But it’s about making an informed choice, not simply being told to “move somewhere cheaper.”
That’s where good advice matters. 🏡

11/08/2026

🏠 Cheaper home + renovation = better deal? Think again.
The old strategy of “buy cheap and do it up later” doesn’t always stack up anymore. 🛠️
Once you add renovation costs, materials, labour — and the time and stress involved — that “bargain” can quickly become a much bigger investment.
Sometimes, paying a little more for move-in ready can actually be the smarter financial move.
It’s about looking beyond the purchase price and understanding the true cost of owning the home you want.
🎙️ Andrew Chambers explains why in this week’s episode.
👉🏻 Follow Tella Home Loans for Part 4!

05/08/2026

The biggest mistake borrowers make? Waiting for the "perfect" interest rate. 📉
The truth is, there is no perfect rate.
Mortgage rates can change overnight—not just because of the OCR, but due to swap rates, funding costs, and global market movements. That's why we've recently seen banks cut rates, only to increase them again weeks later.
Don't let headlines dictate one of the biggest financial decisions you'll make.
The right mortgage strategy isn't about chasing the lowest rate—it's about choosing the right structure for your goals, your cash flow, and your future.
Advice beats speculation. Every time.
If you're buying, refixing, or simply wondering what today's market means for you, now is the time to get personalised advice—not guesswork.
Contact me to book a chat

29/07/2026

🏡 Building your dream home starts with the right financial foundation.
With construction costs continuing to rise, every decision matters. The good news? A well-planned lending strategy can help you stay on budget and build with confidence.
Whether you're a first-home buyer, upgrading, or investing, we're here to help you navigate your options and make your new build journey smoother.
Ready to get started?
👉 Explore verified new build opportunities with our trusted partner, New Homes: https://www.newhomes.co.nz/

28/07/2026

Thinking of waiting for build costs to come down?
You may be waiting longer than you think.
In New Zealand, build costs rarely fall—they're more likely to level out. With construction activity picking up and lower interest rates bringing buyers back, waiting could mean paying more later.
If you're considering building, let's chat about your options and whether now is the right time for you.
DM me "BUILD" to get started.

24/07/2026

🏡 First home buyers — are you making the most of your KiwiSaver? 💰
Your KiwiSaver could be one of the most powerful tools to help you get into your first home sooner.
In this video, our CEO, Andrew Chambers, explains how successful first home buyers in New Zealand use KiwiSaver strategically to build their deposit faster and take advantage of the support available.
If buying your first home is on your radar, this is a must-watch.
👉 Follow Tella Home Loans yfor Part 2, where we'll share more practical tips to help you on your home ownership journey.