9 Yards Financial Services

9 Yards Financial Services Getting social about money! Helping Kiwi's buy their first home and have $1M+ in KiwiSaver by 65

Nineyards was founded by two mates Jonathan and Mitch who enjoy finance solutions and helping clients achieve all their financial goals. At Nineyards we place our clients at the centre of everything we do to ensure we deliver the best loan solutions.

09/04/2026

Your KiwiSaver isn't doomed.

Yes, the markets are red. Yes, your balance probably dropped this week. And yes — that's actually part of the plan. 📉➡️📈

Here's the bit nobody's saying out loud right now:

When markets dip, your KiwiSaver contributions buy MORE units at a lower price. Those units grow with the recovery. That's not a bug — that's how you end up with $1 million+ at retirement.

If you're 10, 20, 30 years away from retiring, this month's "doom" is next decade's free lunch. Stay the course. Keep contributing. Don't panic-switch funds.

BUT — if you're planning to withdraw soon (retirement, first home, etc.), the playbook looks completely different. That's where things actually need a second pair of eyes.

Want a straight-up chat about where YOU sit? Drop me a comment or DM

0800 992 737
9yardsfs.co.nz

27/02/2026

If you've got Aussie Super still across the ditch, NOW is the best time to bring it home! Converting an an Aussie dollar to NZD is the most favourable it's been in over 10+ years.

What are you waiting for? Have a look at our new webpage to get started: https://9yardsfs.co.nz/financial-services/aussie-super-transfer/

06/02/2026

If you’ve been googling “how to buy a first home” and now feel more confused than when you started, that’s normal.

The internet is great at two things:

making simple stuff sound complicated, and

convincing you you’re the only one who doesn’t “get it”.

Reality check: first home buying isn’t always easy, but it’s usually not as complicated as the comments section makes it.

Yes, you can often buy with less than 20% deposit.
Yes, you can often still buy if you’ve got a car loan.
Yes, KiwiSaver can be your deposit in a lot of cases.

There are more options than most people realise, and the right path depends on your numbers, your timeline, and what the bank will actually accept (not what a random comment says).

Tell us where you’re at (deposit, income, any debts) and we’ll tell you straight what’s realistic and what your next best step is.

03/02/2026

Is your vehicle finance too expensive? The easiest way to spot someone who’s about to get stitched up on a car deal is simple: they’re only talking about the price of the car.

Because the car price is the headline. The finance is where you can quietly lose money.

A “sharp deal” can turn into a very expensive decision when the rate, term, or structure doesn’t match what you’re actually trying to do. And once it’s signed, you don’t get a refund because you didn’t realise the repayments were doing the damage.

Before you commit, it’s worth asking:

Is the term doing you a favour, or just making the repayment look nicer?

Are you paying a rate that matches your situation, or just what was offered first?

Is the structure right, or are you paying extra for convenience?

If you’re buying from a dealer or privately, we can sanity-check the finance and help you avoid overpaying.

30/01/2026

Business owners — quick one: is your house funding your business?

Yep, it can feel like a smart move…
Lower rates, easy approval, bank says “simple solution”.

But here’s the bit they gloss over:
When you tie your family home to your business lending, you’re basically telling the bank:
“Sure — if the business hits a speed bump, feel free to involve my house.”

And banks are very good at being involved.

In our view, keeping your home separate from your business is a big deal.
Because a tiny interest saving isn’t worth putting the roof over your family’s head on the line.

If this is you (or you’re thinking about it), let’s chat.
We can often structure things without using your home as the default “easy button”.

Message us and we’ll tell you straight.

27/01/2026

Obvious statement: if you’re watching this, you’re alive. Congrats — you beat the odds. 🎉
Shocking but just as obvious statement: One day you won’t be.

And when that happens… your mortgage doesn’t magically vanish into the afterlife.
The bank still wants its money. Every week. Every month. Like clockwork.

Your partner doesn’t get a “free trial period”.
Your kids don’t get a pause button.
And the house still needs paying for.

“They’ll figure it out” is not a plan.
Hope doesn’t cover repayments.

Life insurance isn’t about being dramatic — it’s about making sure your family keeps the roof over their heads if life does its thing.

If you’ve got a mortgage + people relying on your income, let’s sort it properly.

24/01/2026

Quick question… is your KiwiSaver investment actually making you poorer?

Sounds dramatic — but if you’re in the wrong fund, paying high fees, or sitting in cash when you shouldn’t be, you could be going backwards without realising it.

KiwiSaver investments aren't “set and forget”. Your life changes… your fund should too.
First home. Kids. Mortgage. Getting closer to retirement — it all matters.

We see people every week who haven’t reviewed their KiwiSaver investment in 5, 10… even 15 years. Same fund. Same settings. Totally different life.

If you can’t remember the last time you checked yours, that’s your sign.

Message us or book a KiwiSaver investment review.

10/01/2026

We hear this all the time:
“I’ve emailed the bank… no reply.”
“I’ve called… waited on hold for an hour and then got passed around.”
“I don’t even know who my bank manager is.”

HERE'S THE QUESTION:
Can you call your bank manager directly?

At 9 Yards, you don’t get bounced between departments.
You get a real human, direct number, and service that actually feels… normal.

✅ Buying property
✅ Refinancing
✅ Business lending
✅ Asset finance

If you want finance with real service,
fill in the form and we’ll be in touch.

05/01/2026

Did you miss your goal of buying a home in 2025?
Comment HOME and we'll send you a DM to help you get on the ladder in 2026!
Lets make 2026 your year!
The biggest thing that stops people isn’t the market…it’s not having a plan.
You can buy with as little as 5% deposit — and interest rates can be sharper than people think.
Let’s get you an approval and make 2026 the year you get on the ladder.

03/12/2025

Remember when getting finance for your business gear was as simple as a firm handshake and a quick credit check?
Good news — it’s back (well… for business asset finance at least 😎).

We’ve got access to specialist lenders who make the process fast, friendly, and flexible — the way you like to do business, not the way the banks force us to.

If you’re looking to pick up new assets to help your business grow, we should talk.
Flick us a message and let’s make it happen.

Address

Unit 4/31 Carlyle Street
Sydenham
8025

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+64800992737

Website

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