Nikki K - 9ine Finance Solutions - Mortgage Adviser

Nikki K - 9ine Finance Solutions - Mortgage Adviser Looking for a hassle-free home loan at competitive rates and terms? Let's talk and make it happen!

Namrata Kapadia aka Nikki gives advice through 9ine Finance Solutions Limited. Things you should know
Welcome to the page of 9ine Finance Solutions Limited. Here are a few things you should know in relation to the use of the page.

• Security and privacy:
For your own security and privacy, do not post or share any personal or sensitive information that would be deemed to be a breach of your privacy or could bring you or someone else into disrepute on the page. You may post your comments, photos, videos, and links on this page at your own risk but 9ine Finance Solutions Limited will review all comments, photos, videos, and links and remove them, at its sole discretion, if considered inappropriate or offensive.
• For information only:
This page contains comments and material for general information purposes only and does not take into consideration your financial situation, objectives or risk tolerance.
• Not investment advice:
The comments on the page are not intended to constitute, do not constitute, and should not be construed as constituting, investment advice nor is it a substitute for commercial judgment or other professional advice. Reference, if any, to taxation and ownership structures does not constitute taxation or legal advice. It is recommended that anyone who is contemplating purchasing a property or product mentioned on this page should seek professional personalised advice.
• No liability or responsibility:
The views expressed on this page are those of the individuals visiting and using the page and not of 9ine Finance Solutions Limited. To the maximum extent permitted by law, 9ine Finance Solutions Limited accepts no liability or responsibility for any breach of privacy and disclaim any liability or responsibility to any person for any direct or indirect loss or damage that may result from any act or omission by any person in relation to, or in reliance on, the comments or information contained in this page. 9ine Finance Solutions Limited disclaim any liability or responsibility to any person for any information contained in any website accessed via hypertext link from the 9ine Finance Solutions Limited page or any other website that may be linked to this page. The content, accuracy, and opinions expressed in such websites is not checked, monitored, or endorsed by Titan Lending Limited.
• No representation or warranty:
The information on this page is given in good faith and has been prepared from published information and other sources believed to be reliable, accurate and complete at the time of preparation. No representation or warranty is given as to the accuracy and completeness of the information.

16/09/2026

Northshore Garba
16 & 17 October
Barfoot and Thompson Netball Center

Northshore Diwali
24th October
Smales Farm

✨ NORTH SHORE GARBA 2026 ✨💃🕺 Let’s Garba, North Shore! 🕺💃We are delighted to announce 9ine Finance Solutions as the TITL...
16/09/2026

✨ NORTH SHORE GARBA 2026 ✨
💃🕺 Let’s Garba, North Shore! 🕺💃

We are delighted to announce 9ine Finance Solutions as the TITLE SPONSOR of North Shore Garba 2026! 🎉

🏆 TITLE SPONSOR
9ine Finance Solutions
👩‍💼 Nikki Kapadia – Home Loan Specialist
📞 027 455 5574

Whether you’re looking to buy your first home, refinance, invest, or simply need mortgage/financial advice, Nikki and the team are here to help. 🏡💰

🙏 Thank you, 9ine Finance Solutions, for supporting North Shore Garba 2026!

📅 16 & 17 October 2026
📍 North Shore Netball Centre, Northcote
⏰ 7 PM onwards
🎟️ FREE ENTRY + FREE PARKING

Get ready for two unforgettable nights of Garba, music, dance, culture and community! ❤️💃

Is your loan still the right one for where you are now?A refinance is not only about chasing a lower rate. It is a chanc...
01/09/2026

Is your loan still the right one for where you are now?

A refinance is not only about chasing a lower rate. It is a chance to reset the whole structure around the life you actually have today.

That could mean consolidating high interest debt into one manageable payment, releasing equity for a renovation or your next property, or shortening the term so you are debt free years sooner.

If it has been a while since your loan was reviewed, let's take a look together. Enquire now.

Nikki Kapadia | Financial Adviser | 9ine Finance Solutions
📞 027 455 5574 | ✉️ [email protected] | 9ine.co.nz

A "declined" is not always the end of the story.Clients came to us after being turned down by their bank. We found a len...
18/08/2026

A "declined" is not always the end of the story.

Clients came to us after being turned down by their bank. We found a lender who understood their situation, and they were in their whare by winter.

If you have been declined before, it does not mean no forever, it might just mean the wrong lender at the wrong time. Tell me where you are up to and we will map out the rest together.

Nikki Kapadia | Financial Adviser | 9ine Finance Solutions
📞 027 455 5574 | ✉️ [email protected] | 9ine.co.nz

Refix letter just landed? Before you sign and send it back, three things worth checking.Your rate is negotiable. The num...
13/08/2026

Refix letter just landed? Before you sign and send it back, three things worth checking.

Your rate is negotiable. The number on that letter is rarely the best your bank will actually do.
Structure beats rate too, splitting terms and adding a revolving portion can save more than a 0.10 percent discount ever will.
And start the conversation six weeks out from your refix date. That gives enough time to compare lenders properly, not just accept what lands in your inbox.

A quick chat before you refix could save you more than you think. Get in touch and let's have a look at your options.

Nikki Kapadia | Financial Adviser | 9ine Finance Solutions
📞 027 455 5574 | ✉️ [email protected] | 9ine.co.nz

Still think you need a 20% deposit to buy your first home? That myth stops a lot of Kiwis from even starting the convers...
11/08/2026

Still think you need a 20% deposit to buy your first home? That myth stops a lot of Kiwis from even starting the conversation.

The reality is different. Many first home buyers get into the market with 5 to 10 percent deposit, using low deposit lending, the First Home Loan, or a KiwiSaver withdrawal. The trick is knowing which lender and which pathway fits your situation.

If you have been putting off buying because of the deposit myth, let us have a chat. No pressure, just clarity on where you actually stand.

Nikki Kapadia | Financial Adviser | 9ine Finance Solutions
📞 027 455 5574 | ✉️ [email protected] | 9ine.co.nz

Your KiwiSaver fund could be quietly costing you up to $290,000 in retirement.  Most Kiwis are in the wrong fund without...
19/06/2026

Your KiwiSaver fund could be quietly costing you up to $290,000 in retirement.
Most Kiwis are in the wrong fund without even realising it and the long‑term impact can be huge.

If you’re unsure whether your fund matches your goals, income, or risk profile, now is the perfect time to check. A quick review today can make a massive difference to your future balance.

Get a free KiwiSaver review with Nikki at 9ine Finance Solutions.
Simple, personalised, and obligation‑free so you can feel confident about your financial future.

Book a free chat today.
Nikki Kapadia, Financial Adviser
📞 0274 555 574
📧 [email protected]
🌐 9ine.co.nz

Recent data shows that first home buyers make up 27% of the market and the trend is continuing to grow. If you are ready...
17/06/2026

Recent data shows that first home buyers make up 27% of the market and the trend is continuing to grow.
If you are ready to take the first step, check your eligibility for:

✨ The First Home Loan, which allows you to buy with as little as a 5% deposit
✨ 1‑year fixed rates from 4.59%
✨ Using your KiwiSaver towards your deposit

Your first home might be closer than you think.
Every situation is different, so let’s chat about what is possible for you.

Book a free chat today.
Nikki Kapadia, Financial Adviser
📞 0274 555 574
📧 [email protected]
🌐 9ine.co.nz

Unlock extra cash while securing your home loan.Lock in your home loan by 30 June 2026, you could receive 1% cashback. 💵...
12/06/2026

Unlock extra cash while securing your home loan.
Lock in your home loan by 30 June 2026, you could receive 1% cashback.
💵Money straight back into your pocket.

Whether you’re buying, refinancing or exploring your options, I can help you compare banks and non‑banks to find the right fit.

Call me to get started.
Nikki Kapadia – Financial Adviser
📞 027 455 5574
📧 [email protected]

T&Cs apply. Offer subject to lending criteria.

⏰ The KiwiSaver deadline is almost here.The government puts up to $260.72 back into YOUR KiwiSaver every year. But you n...
11/06/2026

⏰ The KiwiSaver deadline is almost here.

The government puts up to $260.72 back into YOUR KiwiSaver every year. But you need to contribute at least $1,042.86 before 30 June 2026 to get the full amount.

That deadline is less than three weeks away.
If you haven't topped up yet, there's still time, but not much.

Don't leave free money behind. $$

Get clear on your KiwiSaver in one conversation. Call Nikki.
📱 0274 555 574
📧 [email protected]
🌐 www.9ine.co.nz

T's & C's apply. Eligibility criteria may apply. This is general information only. For personalised advice, get in touch.

Address

Auckland
1042

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