Loan Market Adviser in Porirua, Kapiti Coast, Wellington, Hutt Valley and surrounding areas.

Mortgage lending and personal risk insurance can be intimidating, knowing or understanding the options available to you isn’t easy.

Which is why I work closely with my clients every step of the way, giving them “choices” so that they can make informed decisions, and then I can make the process as seamless and stress free as possible.

Disclosure Statement


  • Joanne
    “Talking to you and getting your advice has definitely been one of the best moves I have made all year and I have you to thank for the weight lifted from my shoulders!”
  • Megan
    “Bernie is friendly, professional and really helpful. She has gone above and beyond for me in this instance and in the past. My family trust caused no end of problems yet Bernie stuck with it helping out to ensure we got the desired end result.”
  • Valerie and Kyle Sisson
    "As a first time home buyer, I can say without any doubt or hesitation that Bernie is The Key to unlocking the dream of owning your own home. My husband and I were recommended to contact Bernie, and it was the best phone call we could of ever made. Bernie guided us step by step through each part of the process of purchasing our new home, making it as stress free as possible for us. I strongly believe we wouldn’t of been able to achieve what we have in such a short time frame had it not been for Bernie. Her professional and down to earth approach, support, and kindness will never be forgotten".
  • Judy
    “Good to get this sorted so easily, I wish I'd had you in my life years ago.”
  • Tom & Celina Samuel
    "Take the stress out of mortgage managing and hand it over to Bernadette (Loan Market).... The first phone call with Bernadette was the best phone call we ever made. Nothing more stressful than trying to wade your way through the "minefields" of mortgages and then trying to figure out what is the best one for your situation, impossible tasks for some of us so we gave to the expert!!. We wanted to sell two properties, buy a new one and consolidate debts all at the same time and Bernadette took us through the entire process confidently and successfully. She provided solid information on what we could achieve by changing the way we manage our finances and no more panicking for us when mortgage rates are up for renewal, Bernadette has got this!! We cannot say enough about the services Bernadette provided and we highly recommend giving her a call whether you are trying to buy your first home or up to your 3rd or 4th home because she will take out all of the stress and get you the best possible deal....even when you least expect it."
  • Dean & Miriam
    "From our first contact with Bernadette, we have found her to be professional, pro-active and thorough. All the hassle of going to banks looking for the best rates, renegotiating and structuring loans has been competently taken care of by Bernadette. We can recommend her excellent services to anyone looking for easy, trouble- free assistance in this sphere."
  • Fran & Tom
    "We have had excellent service from Bernadette and as first time home buyers we were helped all the way with all our questions and concerns. We would have no hesitation in recommending Bernadette to assist anyone buying their home."
  • Nick & Celeste
    “Great friendly professional service, explained everything in depth, No pressure, Came well prepared with a plan to meet our needs.”
  • Kiwa and Rochelle
    Home Loan
    Very Knowledgeable and Enthusiastic! 😃
  • Mike
    Home Loan
    I can't recommend Bernie highly enough. She has been proactive and tenacious in getting a solution for our unique set of circumstances. Happy to provide a testimonial to anyone looking at using her services.
  • Gemma
    First Home Buyer
    Bernadette is awesome! Highly recommend especially for first home buyers looking for help navigating a sometimes confusing system. She is helpful and gets things turned around super fast in stressful times! Bernadette is the best person to have on your side!
  • Carol & Wade
    Home Loan
    I would recommend Bernadette as a Top mortgage Broker. If you are looking for a well informed, friendly and honest person, then Bernadette should be the first Mortgage Broker you approach when looking for Finance to buy your home.
  • Jared & Jemma
    Home Loan
    Best person to have help you on a house buying journey, Me and my partner were first home buyers so we defiantly needed a lot of guidance and information taught to us over the months. She always picks up your calls and gets back to you fast so you know if you are short for time she will work hard for you and get the best offers possible. Highly recommended to use her and I will continue to do so myself over the coming years
  • Elena
    Home Loan
    Bernadette has done an amazing job sorting my finance. She is truly customer focused, proactive and provides excellent advice. I look forward to working with Bernadette long term.
  • Stephanie
    Home Loan
    Bernie is great! Always looks after us and makes everything seamless and easy.
  • Lisa & Mat
    Home Loan
    Bernadette was a great help when it came to buying our first house. Happy to answer my questions and put me at ease.
  • Russell & Alicia
    Home Loan
    We had a great experience dealing with Bernie made our life so easy! highly recommend for all.
  • James & Shareen
    Home Loan
    We have is used Bernie for 2 years and value her advice and guidance. She is a wonderful broker who we have recommended to many family and friends over the years.
  • Isaac
    Home Loan
    She's the best mortgage broker I've ever worked with...the fact that my parents, family and friends have all used her services speaks for itself! Her care of attention and customer service is top notch. Would recommend and have been recommending to anyone looking to get ahead on their mortgage.
  • Nick & Celeste
    Bernie has been great, getting us a great deal when refinancing and being fantastic on getting approvals on prospective properties. Highly recommended friendly service that gets a great deal from the banks for us.
  • Melanie and Brendan
    Home Loan
    Great advise on the best loan structure, consistently prompt service. Not sure where we would have been without Bernadette’s advice as there is more to it than we had first thought. Highly recommend asking for her assistance in set up your Home loan, made the process less stressful and helped us secure our new Home with confidence!
  • Ida and Ricky
    Home Loan
    Bernadette has been professional , yet friendly and very easy to deal with. She’s very prompt whenever we needed more information or some answers. She certainly knows the market and provided us with useful information in making the process smooth. Will definitely recommend.
  • Rachel & Rob
    Home Loan
    Bernie helped us refinance and borrow for renovations. She set up a really flexible lending package for us, kept in touch at every step, and got us a great deal including discounted interest rates. She lives in the real world and understands the demands on everyday families. I'd happily recommend Bernie to everyone.
  • Jono & Jess
    Home Loan
    Bernie has been awesome to deal with - quick and efficient and a great communicator. I’m really grateful for Bernie’s help, particularly at a time when banks aren’t making home lending too easy. We’ve enjoyed a painless switch for our mortgage and will definitely work with Bernie again in future.
  • Phil & Chantelle
    Home Loan
    Has been a real pleasure working with Bernadette. she really knows her stuff and works hard for you. I would highly recommend Bernie to anybody who is looking for a mortgage broker.
  • Stratton & Di
    Home Loan
    Would highly recommend Bernie to anyone, thanks so much Bernie for your hard work.
  • Javlon & Ida
    Home Loan
    Bernie is the star!!!! We thoroughly enjoyed the whole process. She made everything easy & supported us all the way through. It wouldn't be possible without her. We are really grateful for meeting such a wonderful as well as experienced person. Her professionalism is exceptional.
  • Jess & Tama
    Home Loan
    Bernie was awesome, guided us through the process so well, explained things as we went and went the extra mile to ensure we were able to get paper work sorted in a timely manner. Highly recommend
  • Kera-Leigh & Benn
    Home Loan
    Apart from amazing service, Bernie makes all the difficult things simple. She takes away the stress and leaves you feeling valued! HIGHLY recommend
  • Ritchie & Sharon
    Home Loan
    Bernie did all the leg work and got us a great deal refinancing our mortgage. Made the whole process simple. Highly recommended!!
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Latest News

  1. Five reasons why you should use a Mortgage Adviser

    With interest rates at an all-time low, there’s never been a better time to get a home loan. However, navigating your way around all the deals on offer is confusing. Loan Market’s nationwide team of more than 120 advisers can help make sense of it all. Securing over $300 million in home finance each month in New Zealand, our mortgage advisers know the market inside out.

  2. The importance of pre-approvals: All you need to know

    The property boom is showing no signs of letting up any time soon. It’s super competitive out there with many vendors receiving multiple offers within just a few days of going on the market. So, if you are looking to purchase your first home or make a move, pre-approvals are essential.

  3. Low credit score: What are the options?

    Getting turned down for a home loan because of a low credit score can be disheartening. However, it doesn’t mean it’s the end of the road. The good news is it’s still possible to achieve the dream of owning a home. In this article, we explore the options available.