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.

Publicly Available Disclosure


  • 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!!
  • Christina Mackle
    Home Loan
    Bernie is so helpful and understanding, she explains the process so well and always gives me very sound advice. Talks me through scenarios, and I trust she has by best interest at heart.
  • Ross Baird
    Home Loan
    Bernie has been absolutely fantastic throughout the years we've been working with her. She's incredibly responsive, professional and proactive—often going above and beyond to turn things around quickly or chase up lenders. Bernie came highly recommended to us from a friend and we've recommended her many times ourselves. Thanks for everything :)
  • Ruan Ferreira
    Home Loan
    Bernadette has been extremely professional and helpful with our mortgage application while we looked to purchase our first property. I would highly recommend her to any person looking at buying a property and applying for a home loan/mortgage.
  • Libbi Neal
    Home Loan
    We cannot speak highly enough of Bernadette. Her professional, patient and competent approach, along with her knowledgeable guidance throughout the mortgage application and mortgage structure, made for a less stressful process. Bernadette was easy to communicate with and we were always kept update to date with everything.
  • Alicia Rameka
    Home Loan
    Buying a house is a very stressful process and Bernadette took us under her wing and made it as easy and as simple as possible. She is very genuine so we were able to trust that she was doing everything she could for us. Bernadette also kept us posted throughout the process, even when there were delays (not because of her) so we were up to date every step of the way. Appreciate your help with all of this Bernie! Could not have done this without you!
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Latest News

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    Property prices are falling and interest rates are rising, so you might be wondering: is this a good time to invest in property? The answer is definitely no for some people. But for others, now might be the perfect time to buy an investment property.

  2. New housing intensification rules about to take effect

    From August, councils in the greater urban areas of Auckland, Hamilton, Tauranga, Wellington, Christchurch and Rotorua Lakes will have to apply new medium-density residential standards to most of their housing stock. So what are these new rules, why have they been introduced and what will they mean for home owners?

  3. House prices fall 0.9% over the quarter

    New Zealand’s national median house price has recorded the biggest quarterly decline since 2010. There are two main reasons why prices are going backwards in much of the country.