At 9ine Finance Solutions, we partner with a wide range of reputable financial institutions across New Zealand. Our strong relationships with these lenders allow us to provide you with options that are tailored to your financial goals and situation.
For some, the mortgage journey can feel overwhelming, but it doesn’t have to be. We’re here to guide you every step of the way—from saving for your first property to planning for retirement.
Whether you’re buying your first home, upgrading, refinancing, building a property portfolio, becoming debt-free, or creating an income stream for retirement, we’re here to help you navigate the process.
We continuously invest in training, technology, and smart tools to support you throughout your journey.
First home: Buying your first home is a major milestone, and we’re here to guide you every step of the way. We understand that not everyone is in the ideal situation with a large deposit and perfect serviceability. Each person’s circumstances are different. Some may need support from family or friends to get onto the property ladder. Others might have a low deposit but strong loan servicing ability, while some may have a good deposit or equity but face challenges proving affordability. Life can happen, and credit history can be unforgiving. For others, opportunities arise later in life. Whatever your situation, there’s often a solution, and we’re here to help you find it.
Investment Homes: As a seasoned investor, I understand the complexities of financing and how crucial they are to maximising your return on investment. As your Mortgage Adviser, I can help with strategic planning to unlock the full potential of your property portfolio. Aligning lender policies with your goals is just as important as selecting the right loan structure to ensure long-term success.
Next Home: Buying your second home brings unique challenges and opportunities. Whether you’re upgrading, downsizing, purchasing a holiday home, or investing in property, we’re here to help.Our services include equity release, short-term bridging finance, and loan planning to support your long-term financial goals.
Personal and Business Loans With specialised lender partners, I can help you secure personal and business loans quickly—usually within 48 to 60 hours—providing the funds you need for short-term financial needs.
Refix or Refinance By reviewing your financial situation, we can help you secure better rates and terms through refinancing, potentially improving your financial position.
Debt Consolidation: Combine multiple debts into a single loan to simplify management and potentially lower overall interest rates and monthly payments.
Home Loan Top-Up: If you need extra funds for renovations or special events, we can assist with a top-up at home loan rates, helping you avoid higher personal loan interest rates.
Debt Restructure: Modify the terms or structure of your existing loan to make it more manageable and better suited to your current financial situation.
Success Mapping is like a tailored roadmap to achieving your long-term goals with confidence. It goes beyond just getting loans approved and settled.
Success Mapping is a financial planning technique that uses cash flow modeling to provide a clear view of your current financial situation and future projections. Investing in property isn’t just about financial growth; it’s about securing a prosperous future for you and your loved ones.
Each of us has different priorities:
My Success Mapping consultation is aimed at empowering you to make informed decisions. The purpose is to support strategic wealth planning and management.
As Peter Drucker said,
“The best way to predict the future is to create it.”
With a diverse background in finance, we offer well-rounded, informed advice to navigate your financial journey.
We consider your entire financial landscape, ensuring all aspects align with your goals.
Our real-time life mapping tools help you visualise and plan your financial decisions effectively.
Accredited with 37 lenders, including all major NZ banks, we provide diverse and competitive financial solutions.
At 9ine Finance Solutions Limited, we pride ourselves on offering personalised finance solutions that cater to your unique needs. With a strong foundation in the finance industry and a commitment to using advanced technology, we provide our clients with the tools and guidance they need to make informed financial decisions.
Kia Ora! I’m Namrata Kapadia, also known as Nikki. As the sole director of 9ine Finance Solutions Limited and a qualified Financial Adviser, I offer a holistic approach to home loans and investment advice.
With over 15 years of experience in the finance sector, primarily in banking and finance, I am passionate about sharing my expertise. My goal is to help you secure your financial future. Whether you’re a first-time homebuyer, an investor, or aiming to become debt-free faster, I’m here to guide. you.
Empowering my clients and ensuring their financial well-being is my top priority. I pride myself on delivering personalised advice and building lasting, trust-based relationships.
My mission is to be your lifelong financial guide, dedicated to empowering you with the knowledge and tools needed to navigate the complexities of finance. I am committed to prioritising your needs and upholding the highest standards of integrity in everything I do.
If you’re looking for home loan guidance, I’d love to chat with you and help you get started on your journey toward financial success. Reach out today and let’s make it happen!
With over 15 years of experience in the finance sector, primarily in banking and property investment, I am passionate about sharing my expertise and knowledge.
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