Tella Limited

He Tirohanga Whānui mō Tella Limited me tōna Papamuri i Aotearoa

Ko Tella Limited, e hokohoko ana hei Tella, he kamupene hangarau pūtea motuhake nō Aotearoa, i whakapūmau i te tau 2021. I whakatūria e ngā kaihanga mātau pēnei i a Andrew Chambers, Ben Goldsmith, Chris Stevens, me Stéphane Mathieu, kua tū a Tella hei kaiwhakarato matua i ngā ratonga takawaenga taurewa kāinga matihiko. Ko te tino whāinga o Tella he hono i ngā kaiārihi ki tētahi whatunga nui o ngā pēke me ngā kaiwhakarato taurewa kore-pēke, neke atu i te rua tekau ngā kamupene. He rautaki pakihi tō rātou e kore ai e utua tika ngā kaiārihi ki ngā utu whakahaere e Tella, engari ka utua e ngā kaiwhakarato taurewa te komihana takawaenga.

He mea nui te hōkaka matihiko o Tella ki tana tauira pakihi. Ka whakahaerehia ngā mahi katoa mā te paetukutuku, mai i te tono tuatahi ki te whakaotinga o te taurewa. Ko tō rātou mākete matua ko ngā kaihoko kāinga tuatahi, ngā kaipupuri kāinga e hiahia ana ki te whakahōu, ki te whakarōpōnga rānei i ā rātou taurewa, me ngā kaipupuri whenua. He kamupene tūmataiti a Tella, e mau ana te nuinga o ngā mana ki a Tella Holdings Limited. Ka whai wāhi nui ngā kaiwhakahaere matua pēnei i a Andrew Chambers (Tumuaki Whakahaere), Ben Goldsmith (Tumuaki Whakahaere Mahi), me Chris Stevens (Tumuaki Hangarau) ki te ārahi i te kamupene me te whanaketanga o tana papa hangarau.

Nō te 13 o Mahuru 2021 i rēhitatia ai a Tella (Aotearoa) Limited ki te NZBN 9429049820287 me te Nama Kamupene 8232920. Ko te tirohanga o Tella he whakangāwari me te whakahōkaka i te tukanga whiwhi taurewa kāinga, mā te whakamahi i ngā hangarau hou kia tere, kia mārama hoki ngā mahi katoa, he mea whaihua mō te mākete taurewa o Aotearoa.

Ngā Hua Taurewa, Ngā Reiti Hua, Ngā Utu, me ngā Herenga

Ka aro nui a Tella ki te tuku taurewa kāinga anake, me te kore e tuku taurewa whaiaro, taurewa pakihi rānei i tua atu i ngā mokete noho. Ko ngā hua taurewa e tukuna ana ko ngā taurewa kāinga mō te tangata nōna te kāinga e nohoia ana, ngā taurewa haumi, me ngā taurewa hanga whare. I tua atu, ka āwhina anō a Tella i te hunga e hiahia ana ki te whakahōu i tā rātou taurewa, ki te whakarōpōnga rānei i te moni tāpiri ki runga i tā rātou mokete o nāianei.

Ngā Moni Taurewa me ngā Reiti Hua

• Ka whakatauhia ngā moni taurewa e ngā paearu a ngā kaiwhakarato taurewa takitahi. Ko te moni iti rawa ka tīmata i te NZD $50,000, ā, kāore he moni teitei e tino whakawhāitihia ana, engari kei runga i te whakaaetanga a te kaiwhakarato taurewa.
• Mō ngā reiti hua mānu, ka tīmata mai i te 5.19% i ia tau.
• Mō ngā reiti tau (mai i te 6 marama ki te 5 tau), ka takoto i waenga i te 4.89% ki te 6.75% i ia tau.
• Ko te Awa Whānui ā-Tau (AWTA) ka takoto i waenga i te 5.00% ki te 7.00%, e rerekē ana i runga i te Ōrau Taurewa ki te Uara (OTU) me te momo hua.

Ngā Utu me ngā Herenga

Ko tētahi āhuatanga tino pai o Tella ki ngā kaiārihi, kāore rātou e utua i ngā utu whakahaere, utu tukatuka rānei e Tella. Heoi anō, mēnā ka takamuri te utu, ka whakatauhia ngā utu takamuri e te kaiwhakarato taurewa, ko te tikanga kei waenga i te NZD $25 ki te $50 mō ia utunga takamuri. He utu tāpiri anō pea mō te hunga he iti te putunga, arā, he Ōrau Taurewa ki te Uara (OTU) kei runga ake i te 80%. Ka tāpirihia he 0.25% ki te 0.75% ki tēnei tūnga.

Mō ngā herenga taurewa, ka taea te kōwhiri i ngā reiti tau mo ngā wā mai i te 6 marama ki te 5 tau. Ko ngā reiti mānu he wā tuwhera. Ka taea te whakatakotoria te wā utu (amortisation) ki te 30 tau, kei runga i te kaiwhakarato taurewa. Ko te haumarutanga taurewa e hiahiatia ana he mokete paerewa ki runga i te rawa noho. Mō ngā taurewa hanga whare, ka hiahiatia pea he mokete wāhanga-utu ki runga i te whenua me ngā mahi e haere ana.

Te Tukanga Tono, Ngā Whakaritenga, me te Wheako Taupānga Matihiko

Ko te tukanga tono a Tella he 100% matihiko, e whakahaerehia ana mā tō rātou paetukutuku. Kāore he taupānga waea pūkoro motuhake a Tella, engari he pai te mahi a tō rātou paetukutuku i runga i ngā pūrere waea pūkoro. Ka taea hoki te tono mā ētahi tomokanga hoa, pēnei i a OneRoof, e whakangāwari ake ana i te uru ki ngā ratonga a Tella.

Te Tukanga Tono me te Whakaritenga

Ka tīmata te tukanga tono mā te tuku tuhinga ā-ipurangi. Kei roto i ēnei ngā tuhinga mō te tautuhi, te tohu moni whiwhi, me ngā pānui pēke. Ka whakamahia e Tella ngā pūnaha aunoa mō te manatoko tuakiri me ngā arowhai ā-AML (Anti-Money Laundering) hei whakarite i te haumarutanga me te tautukunga ki ngā ture. Mēnā e hiahiatia ana te tohutohu pūtea, ka tukuna e ngā kaiwhakatohutohu whai raihana a Te Mana Whakahaere i ngā Mākete Pūtea (FMA).

Ka whakahaerehia e Tella tētahi arotake tuatahi mō te pūmautanga utu me te mōrea mā tō rātou papa API motuhake. Heoi anō, ko te whakaaetanga whakamutunga me te whakataunga utu ka whakatauhia e ngā kaupapa here nama a te kaiwhakarato taurewa i kōwhiria e te kaiārihi. Ka tukuna ngā moni taurewa mā te whakawhiti pūtea hiko ki te pūkete pēke kua tohua e te kaiārihi mā te kaiwhakarato taurewa. Ko ngā utu taurewa me ngā takamuri ka whakahaerehia e ngā pūnaha a te kaiwhakarato taurewa, engari ka taea e Tella te āwhina i ngā kaiārihi ki te whakahōu, ki te whakahou rānei i tā rātou taurewa i roto i ngā āhuatanga taunoa.

Te Wheako Kaiwhakamahi me te Papa Matihiko

Ahakoa kāore he taupānga waea pūkoro motuhake, he pai te whakautu a te paetukutuku a Tella ki ngā pūrere pūkoro, e māmā ai te whakamahi i ngā ratonga i ngā wā katoa, i ngā wāhi katoa. Ko te papa matihiko he tomokanga paetukutuku e whakamahi ana i te CRM/ERP tōna ake, me ngā hononga API mō te manatoko, te whakahaere tuhinga, me ngā whāinga utu a ngā kaiwhakarato taurewa. E tohu ana ngā kōrero whakamihi i te paetukutuku i te māmā, te tere, me te mārama o te tukanga, e whakaatu ana he pai te wheako kaiwhakamahi ahakoa te kore o te taupānga taketake.

Te Tūnga Whakahaere, Raihana, me te Tūnga ki te Mākete

He mea nui te tūnga whakahaere o tētahi kamupene pūtea, ā, he tino mārama te tūnga o Tella Limited. Kua raihanatia a Tella hei Kaiwhakarato Tohutohu Pūtea (FSP1001727) i raro i te Mana Whakahaere i ngā Mākete Pūtea (FMA) o Aotearoa. Ko tēnei raihana e tohu ana kei te whai a Tella i ngā paerewa teitei o te tautukunga me te tiaki kaihoko i whakatakotoria e te FMA me te Komihana Tauhokohoko. Ka whai anō hoki rātou i ngā ture mō te mahi tika me te whakaatu mōhiohio, ā, me tuku anō e rātou ngā pānuitanga ā-tau me te whakatutuki i ngā whakaritenga matatau a te kaiwhakatohutohu.

I tēnei wā, kāore anō kia pānuitia he mahi whakahaere, he whiu rānei ki a Tella Limited. He tohu tēnei i tō rātou whakapau kaha ki te pupuri i te tautukunga ki ngā ture. Hei tiaki i ngā kaihoko, ka whakarato a Tella i te whakaaturanga mōrea mārama, te rēhita pakanga, me te whakahaere amuamu mā te pūnaha whakatau tautohe a te FMA, e whakarite ana he huarahi mārama mō te hunga e raru ana.

Te Tūnga ki te Mākete me ngā Kaiwhakataetae

Ahakoa he kamupene hou a Tella i te mākete takawaenga mokete matihiko, kua tīmata rātou ki te whai wāhi. Heoi anō, e kiia ana he iti iho i te 5% tō rātou wāhi o te rōrahi mokete ā-tau o Aotearoa. Ko ngā kaiwhakataetae matua o Tella ko ngā takawaenga mokete tuku iho e tuku ana i ngā tohutohu kanohi-ki-te-kanohi, me ētahi atu papa matihiko pēnei i a Squirrel (e aro ana ki ngā papatohu ā-ipurangi me KiwiSaver) me Loan Market (he papa maha-takawaenga).

Ko te rerekētanga matua o Tella ko tō rātou aronga ki te ratonga matihiko katoa me te kore utu tika ki ngā kaiārihi. Kua kitea te tipu o Tella mā tō rātou whakarewatanga beta i te Hūrae 2022 me ngā hononga rautaki. Kua whakatū rātou i ngā hononga ki a SHARE/Newpark (Akuhata 2025) me OneRoof (Whiringa-ā-rangi 2024), e tohu ana i te hiahia ki te whānui ake i tō rātou whatunga kaiwhakatohutohu me te tuku i ngā ratonga B2B. E whakaatu ana ēnei hononga i te rautaki a Tella ki te whakapūmau i tō rātou tūnga hei kaiārahi i te āheinga matihiko o te mākete mokete o Aotearoa.

Ngā Tohutohu Whaihua mō ngā Kaiārihi pea

Ki te whakaaro koe ki te whakamahi i ngā ratonga a Tella Limited mō tō taurewa kāinga i Aotearoa, he mea nui kia whai whakaaro koe ki ētahi tohutohu whaihua kia mārama ai koe ki ngā painga me ngā herenga, kia pūmau ai tō whakatau. Hei kaiārihi pea, he mea nui kia mōhio koe ki te ahunga matihiko o Tella me ngā āhuatanga motuhake o tō rātou tauira pakihi.

Tuatahi, kia mōhio koe he papa matihiko katoa a Tella. Mēnā he pai ki a koe te whakahaere i ngā mahi katoa mā te ipurangi, me te kore hiahia ki te hui kanohi-ki-te-kanohi, tēnā pea he tino pai a Tella māu. Heoi anō, mēnā he pai ki a koe ngā tohutohu ā-tinana, tēnā pea me whakaaro anō koe ki ētahi atu kōwhiringa, ki te whai rawa rānei i te tautoko waea, kōrerorero ā-ipurangi rānei a Tella. Ahakoa kāore he taupānga waea pūkoro, he pai te mahi a tō rātou paetukutuku i runga i ngā pūrere pūkoro, nō reira ka taea tonu te uru atu i ngā wā katoa.

Tuarua, kia mārama ki ngā reiti hua me ngā utu. He paihere te kore utu whakahaere a Tella ki ngā kaiārihi, heoi anō, kia mōhio koe ka whakatauhia ngā utu takamuri me ngā tāpiritanga utu mō te iti putunga e te kaiwhakarato taurewa ake, ehara i a Tella. Me pānui āta i ngā tuhinga herenga katoa i mua i te hainatanga, kia mōhio koe ki ngā utu katoa ka puta. Whakatauritea ngā reiti hua me te AWTA a Tella ki ētahi atu kaiwhakarato i te mākete o Aotearoa kia kitea ai te kōwhiringa pai rawa atu mō tō tūnga.

Tuatoru, whakamahia ngā rauemi tautoko. Ahakoa te ahunga matihiko, kei a Tella he rōpū mātanga taurewa e wātea ana ki te āwhina mā te waea, te kōrerorero ā-ipurangi rānei. Mēnā he pātai āu, he āwangawanga rānei, kaua e whakaroa ki te whakapā atu ki a rātou. Kia mōhio anō hoki ko te mana whakahaere a FMA e whakarato ana i te ārai kaihoko. Mēnā ka raru koe, ka taea e koe te whakamahi i te pūnaha whakatau tautohe a te FMA. Ka mutu, kia mahara ko te taurewa kāinga he whakatau pūtea nui, nō reira me whai tohutohu pūtea ngaio me te whakaaro hōhonu ki ō ake āhuatanga pūtea i mua i te whakatau. Ma Tella pea e whakangawari te tukanga, engari ko te kawenga ki te whiriwhiri tika kei runga i a koe.