Rani Nalam - Financial Adviser

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.

17/07/2026

Distance doesn't have to stop you from owning a home in New Zealand. 🌏➡️🇳🇿
If you're a Kiwi living overseas, now could be the perfect time to explore your home loan options. From understanding lender requirements to finding the right mortgage, we're here to guide you every step of the way.
Ready to make your NZ property goals a reality? Let's talk.

14/07/2026

This is an important reminder for homeowners.
One of the biggest misconceptions I see is that you have to wait until your fixed term expires before taking action. In reality, many lenders allow you to lock in a new rate well before maturity, giving you time to make informed decisions instead of rushed ones.
A mortgage isn't just about chasing the lowest interest rate. It's about choosing a structure that supports your financial goals, cash flow, and future plans.
With the OCR now at 2.50%, it's more important than ever to seek advice early. A proactive review can help you avoid unnecessary stress and ensure your home loan continues to work for you.
If your fixed rate is coming up for renewal, start the conversation now—not at the last minute.

09/07/2026

Every property portfolio has a story, and every refinance comes with its own challenges.

For me, it's never just about finding a better rate—it's about understanding my clients' goals, taking the stress out of the process, and doing the heavy lifting so they can focus on what matters most.

I'm incredibly grateful to my clients for trusting me with their investment portfolio, and to the amazing team at tella for their ongoing support.

If you're wondering whether your current lending structure is still working for you, let's have a chat. There may be opportunities you haven't explored yet. 💙
Book a chat with me here https://tella.co.nz/

Always going the extra mile! 💯

Refinancing investment properties usually means a mountain of admin, but Rani Nalam Rani Nalam - Financial Adviser was straight on to it for these guys from day one.

Getting stuck in and making the hard stuff easy. That's exactly what Tella Home Loans is all about. 💙

Lovely thanks to our clients for trusting Rani with their portfolio! 😊

07/07/2026

As a mortgage adviser, I see this all the time.
Many people delay getting advice because they think they need to have everything "perfect" before speaking to someone. The reality is, our job is to help you understand your options, answer your questions, and create a plan that fits your goals—not to judge your spending or finances.

The earlier you have the conversation, the more opportunities you have to prepare, improve your position, and make confident decisions.

A good mortgage adviser isn't just there for the application—we're there for the journey.

03/07/2026