Namrata (Nikki) Kapadia - 9ine Finance Solutions Limited

Region & Expertise: Mortgage Advisers, Auckland Mortgage Advisers

Mortgage Adviser

"Understanding your financial goals and finding solutions to help you achieve them."

Nikki Kapadia is passionate about building long term relationships and helping her clients achieve their financial goals. Whether that’s to get into a first home, refinance or restructure a loan to pay off debt much faster, or to build a smart property investment portfolio.

“Each client has a unique story, and my focus is to understand their financial goals and situation and find solutions that enable them to achieve their goals in a realistic and stress-free manner.”

Nikki’s background is primarily in banking and finance, having worked in the back-end processing of mortgage applications for ASB and non-bank lenders Avanti and Bluestone. Working at the “coalface”, Nikki understands the importance of submitting strong applications for her clients.

“My experience gives me an edge when it comes to submitting strong applications on behalf of my clients. I’m committed to making the process efficient and hassle-free for my clients.”

Based in Auckland, Nikki will be providing advice for residential home loans – both mainstream banks and non-bank lenders - first home, Investment, bridging finance, refinancing and restructuring, as well as debt consolidation and caveat loans.

“It’s all about leveraging the economic environment and your personal situation to make it work in your favour.”

    • Important information about 9ine Finance Solutions Limited FSP 1001117

      Licence status and conditions

      Astute Financial Management Limited FSP641829 (Astute) holds a licence issued by the Financial Markets Authority to provide financial advice service.

      9ine Finance Solutions Limited FSP 1001117 is authorised by that licence to provide financial advice service.

      Our contact details are:

      Address:           9 Andes Place, Lynfield, Auckland 1042

      Telephone:     0274 555574

      Email:               n.kapadia@mx.co.nz

      We provide financial advice on Mortgage Products and Consumer Credit Contracts.

      We encourage you to read the important information given below. It may help you decide whether your financial needs may be met by engaging with us.

      Nature and scope of financial advice service

      We engage financial advisers to provide financial advice on the following financial products:

       

      Residential and personal loan products
      We, through our advisers, provide financial advice service about loan products only from the following providers (also known as lenders):

       

      ANZ Bank New Zealand Limited          

      DBR Limited

      Oxford Finance Limited

      AIA Services New Zealand Limited

      FICO Finance Limited

      Pepper New Zealand Limited

      ASAP Finance Limited

      First Mortgage Managers Limited

      Pioneer Finance Limited

      ASB Bank Limited              

      Funding Partners Limited

      Plus Finance Limited

      Avanti Finance Limited      

      General Finance Limited

      Resimac Financial Securities Limited

      Bank of China (New Zealand ) Limited

      Gold Band Finance Limited

      Southern Cross Finance Limited

      Bank of New Zealand

      Heartland Bank Limited

      Southland Building Society

      Basecorp Finance Limited

      Industrial and Commercial Bank of China (New Zealand) Limited

      The Co-operative Bank Limited

      Bluestone Mortgages NZ Limited

      Liberty Financial Limited

      TSB Bank Limited

      China Construction Bank (New Zealand) Limited

      Metro Finance Limited

      Westpac New Zealand Limited          

      Credit Union Baywide

      Midlands Fund Management Limited

      Wroxton Finance Limited

      Cressida Capital One Limited

       

       

       

      We do not provide financial advice service related to:

      1. Investment products (e.g., shares, bonds, managed funds, etc.) and KiwiSaver products; and
      2. Estate planning (such as Wills, Enduring Powers of Attorney, and trusts of any description); and
      3. General Insurance products; and
      4. Personal Risk Insurance products.

      You will need to consult appropriate specialists if you would like advice on the products above.

      Fees, expenses, or other amounts payable

      In majority of cases we do not charge any fee, expense or other amount for the financial advice provided to you or for implementing that advice. Our remuneration is paid by the product providers by way of commission.

      However, we may charge a fee for the financial advice service provided to a client where a client repays a residential home loan within a defined time up to 28 months from the date it is drawn down.

      Whether a fee will be charged, the manner in which it will be charged and the date by which the fee will be payable will be advised when the financial advice service is provided to the client.

      Conflicts of interest and commissions or other incentives

      We and Astute will receive commission from the lenders who provide residential and personal loan products. If you decide to take out a residential or personal loan, then the lender will pay commission based on the amount of loan settled with that lender or lenders.

      Our adviser takes drawings from Namrata.

      From time to time, various product providers (described previously) may also reward us and/or Astute for the overall business provided to them. They may give tickets to sports events, hampers, or other incentives. To ensure that our financial advisers prioritise the client’s interests above their own, we follow an advice process that ensures our recommendations are made based on the client’s personal goals and circumstances. All our financial advisers undergo annual professional development refresher training about how to manage conflicts of interest. We maintain registers of conflicts of interests, and the gifts and incentives received.

      Complaints handling and dispute resolution

      We take all complaints seriously and work to resolve them as quickly as possible.

      If you are unhappy with our financial advice service, and wish to make a complaint, please contact your financial adviser so he or she can try to put things right.

      If you do not feel comfortable discussing your concerns with your adviser, you can:

      • Call David Gopperth, General Manager, Mortgage Express on 027 3489248 between the hours of 8:30 am - 5 pm week days
      • Email complaints@mx.co.nz
      • Write to David Gopperth at Mortgage Express, PO Box 9268, Newmarket, Auckland 1023.

       

      How your Complaint will be handled

      We will deal with your complaint using our internal complaints handling process. Accordingly,

      • We will investigate your complaint by analysing the information you provided us; and
      • We may contact you to get additional information about your complaint.

      We aim to resolve your complaint within 40 days of its receipt and advise you, in writing, our proposed resolution to your complaint.

      If we cannot resolve your complaint within 40 days of receipt (or any additional time you have given us thereafter, at our request) you can contact the Financial Services Complaints Ltd (FSCL).

      FSCL provides an independent external dispute resolution service to consumers with complaints about their financial service providers. This service will cost you nothing and will help us to investigate or resolve your complaint if it is not resolved to your satisfaction using our internal complaints process.

      You can contact the FSCL Scheme at:

      Email:                                  complaints@fscl.org.nz

      Website:                             www.fscl.org.nz

      Telephone:                         0800 347 257 or +64 4 4723725

      Address:                             Level 4, 101 Lambton Quay, Wellington 6011

                                                 P O Box 5967, Wellington 6140

      Duties

      We, Astute and our financial advisers are bound by the following duties under the Financial Markets Conduct Act 2013 to:

      • meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice; and
      • give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; and
      • exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and
      • meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice.