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.


  • 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.”
View More

Latest News

  1. Tile istock 660743478

    Best rates since WWII!

    Back when rubber shortages meant dairy farmers had to prove they had at least 12 cows to qualify for gumboots and rationing saw New Zealanders shrinking their meals, mortgage rates were low. Pretty much, where they are today - seventy years on.

  2. Tile the insider nz september2018 tile2

    Yes, our housing market’s slowing, but so is everyone else’s

    ​Our housing market has become less road runner and more sloth. And we’re not the only country seeing a slowdown.

  3. Tile the insider nz september2018 tile

    Interest rate 101

    ​What’s a central bank? This is a country's primary monetary authority and it decides on the interest rate. Ours is called the Reserve Bank of New Zealand, known as the RBNZ.