Hi,
I can give you some advices based on my long experience with developing for variety of mobile platforms:
If you said you want to develop the native application and you want to target more then one platform, you will need to develop it from the scratch on every platform (C++ on Symbian, objective-C on iPhone, Java on Android and Blackberry and C# on WM7). However you can make some core engine (if possible) in C and then rewrite only GUI parts (except of WM7 and RIM/BB) and the phone dependent functionality (e.g. access to contact book, accelerometer, file system...). This is not an easy task and if you have no experience in mobile field, not only with programming languages, but with the OS frameworks, IDEs, paradigms, signing, distributing on stores, if you do not have enough devices for testing, ... - simply if you are new to the whole ecosystems
then it will be for you extremely hard, time consuming, costly and risky and honestly I do not believe you will be able to make some valuable product.
Rewriting code for each platform is not a big problem, once it is developed for one OS, it means you have the application domain knowledge, you only clone it to other platforms, which can be done in 50% of time or less, but still you need experts for every platform.
There is also some cross-platform possibility like HTML5. This means that you can use the native component (UIWebView iPhone, BrowserField2 on Blackberry, WebView on Android, QtWebKit on Symbian,...) on the target platform an make some wrapper around the HTML/CSS/Javascript code. Even this sounds promising it comes with some costs, which is performance problems, different level of web features support, lack of native application feel, problems with debugging, handling errors,... plus you must be really good in those web technologies to make the application looks cool. This is an option only for relatively simple applications. There are some simple frameworks like PhoneGap you can use at the beginning, but at some point you will find you need more sophisticated solutions and this will not be enough for you. There are also plenty HTML/CSS/Javascript libraries with UI components, which give your web application more native look&feel (e.g. jQuery Mobile), but it will be never like the native application.
That is the reality:)
Regards,
STeN