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Sophia holds distinction in the Financial Advice and Residential Property Lending programs of Massey University, uniting academic excellence with real-world pragmatism. Malhar believes that great advice is not just about getting the best rate, but about creating a strategy that supports every stage of life. A long-time investor with a deep interest in financial markets, Malhar combines personal passion with professional expertise to support clients in achieving their financial goals. With a strong background in relationship management and leadership roles across multinational companies, Malhar brings a commercially savvy and client-first approach to mortgage advising. With a diverse background spanning IT, academia, sales, and HR, I bring a unique blend of technical insight, people-first service, and financial expertise to my role as a Mortgage Advisor. For example, if you’re tracking the number of sales, you could give the influencer a discount code with their name. 2007) Mental Capacity Act 2005: Code of Practice. In general, it is important before conducting a particular type of advertising/marketing campaign to review whether any provisions of the Competition Act may apply – for example, to ensure that endorsements/testimonials are not false or misleading and that adequate disclosures are made for promotional contests, that performance claims meet the statutory test of adequate and proper testing, that OSP claims meet the legislative test or that the statutory information required to be disclosed when telemarketing is included.

Recognised for his attention to detail and strong communication, Kal focuses on creating a smooth, stress-free experience from first conversation through to settlement. My experience in high-performance environments taught me the value of strategic thinking, clear communication, and delivering results with integrity. With experience across BNZ, Westpac, and Kāinga Ora, he brings a well-rounded understanding of the lending landscape and a practical, client first approach to achieving the best outcomes.Specialising in First Home Loans, Kal is known for making complex processes feel simple. That passion naturally led me to mortgage advising, where I now use my lending experience to make the home-buying journey simple and stress-free. He aims to make the mortgage process simple, stress-free and build long-term financial confidence for the clients. My own journey of buying property sparked a passion for helping others navigate the mortgage process. I believe mortgage advice should be thoughtfully tailored, supportive, and empowering.