Loan Market Bernadette Huynen

Loan Market Bernadette Huynen My approach is not of a sales person but of someone who is passionate about helping you achieve your home ownership goals.

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Bernadette Huynen
Loan Market Mortgage Adviser servicing Porirua, Wellington, Hutt Valley, Kapiti Coast and surrounding suburbs

Products:
First Home Loans
Refinancing Loans
Investment Loans
Next Home Loans
Land and Construction Loans
Self Employed Loans
Insurance

23/12/2025

While Buy Now Pay Later (BNPL) services feel like a quick, interest-free payment tool, lenders view them as a financial liability, just like a credit card.

If buying a home is your goal, we can guide you to clean up these liabilities strategically before we apply. It's a simple step that can make a huge difference to your approval amount.

⭐⭐⭐⭐⭐Incredibly grateful for every five-star review!If you're ready to partner with an adviser who can guide you through...
18/12/2025

⭐⭐⭐⭐⭐

Incredibly grateful for every five-star review!
If you're ready to partner with an adviser who can guide you through your unique financial journey, let's connect today.

16/12/2025

⏱️It can feel like forever. Lender approval times can vary wildly, sometimes taking weeks and chasing up the bank is the last thing you need when you're trying to house-hunt.
That's where we come in.

Our job is to handle the follow-up. We chase the lender, manage the paperwork, and push the application through the entire process.

Ready to make your move (without the stress)? DM us to start your loan application today.

Great news for New Zealand renters and future homeowners! 🥳The rental market has shifted heavily in favour of tenants, w...
14/12/2025

Great news for New Zealand renters and future homeowners! 🥳

The rental market has shifted heavily in favour of tenants, with both new (up 18.1%) and total listings (up 23.6%) rising sharply in September.

This higher supply means lower demand, with the average national rent falling 3.1% to $624 per week.

Ready to turn those rental savings into a mortgage? Read more on our blog.
https://adviser.loanmarket.co.nz/bernadette-huynen/blog/national-rents-fall-as-stock-levels-rise/?utm_source=facebook&utm_medium=organic&utm_campaign=socialpost

The New Zealand property market is heating up! 🔥We've seen sales volumes jump almost 4% compared to this time last year,...
11/12/2025

The New Zealand property market is heating up! 🔥

We've seen sales volumes jump almost 4% compared to this time last year, confirming the steady recovery from 2022 and early 2023. With mortgage rates continuing to gently edge lower, expect this activity to keep growing.

While new listings remain solid, the total number of properties on the market is starting to erode as buyers snap them up.

How to win in a tight market:

🔑 Get Pre-Approved Finance Early. Knowing your budget allows you to move fast and make strong offers with confidence when the right property hits the market.

🗣️ Talk to Your Agent. Buyers who communicate openly and upfront about their budget and non-negotiables with their real estate agent get access to listings before they go public.

🗺️ Be Flexible. Keeping an open mind on property type or location can make all the difference, helping buyers act decisively when opportunities arise.

Read more on our blog.
https://adviser.loanmarket.co.nz/bernadette-huynen/blog/housing-stock-begins-to-tighten-as-demand-rises/?utm_source=facebook&utm_medium=organic&utm_campaign=socialpost

The RBNZ recently cut the OCR to 2.25%, making your interest rate decision a key strategic consideration.Choosing a fixe...
08/12/2025

The RBNZ recently cut the OCR to 2.25%, making your interest rate decision a key strategic consideration.

Choosing a fixed rate gives you budget stability because your mortgage payments remain the same for the fixed term. Attractive short-term fixed rates (like 1-year terms) are currently lower than floating rates. This option can protect you if interest rates trend upwards sooner than expected.

Choosing a floating rate offers maximum flexibility. You can make extra repayments without penalty fees and your rate will adjust immediately if the RBNZ implements another OCR cut. Floating rates tend to be higher than short fixed rates right now.

For many, the smart approach is the split strategy. By splitting your mortgage, you can secure the stability of a fixed rate on a large portion of your loan while maintaining the flexibility of a floating rate on a smaller portion.

Important Information Mortgage interest rate forecasts are not guarantees. Rates are influenced by the OCR and market expectations of what the OCR will be in the future.

The best path depends entirely on your personal financial circumstances and goals.

Contact us today for a tailored strategy discussion that fits your budget and goals.

Don't panic and make a half-baked decision this National Cookie Day🍪. We can help you get your finances chip-shape befor...
03/12/2025

Don't panic and make a half-baked decision this National Cookie Day
🍪.

We can help you get your finances chip-shape before you even start hunting.

Don't wait until the new year. Get your pre-approval sorted now so you can make those smart moves when the time is right.

Every Who down in Who-ville liked Christmas a lot... But finance? No, thank you. That they just forgot.They planned all ...
01/12/2025

Every Who down in Who-ville liked Christmas a lot... But finance? No, thank you. That they just forgot.

They planned all their feasting and wrapped all the gifts, while their poor interest rate just caused major riffs.

They sighed at their budget, they cancelled the sleigh, “We can’t buy roast beast. Not even today.”

Sick of their wailing, friends gave them a shove, so they called up an adviser, who listened with love.

They compared their old rate to a new competitive deal, and found a suitable loan. Oh, the savings were real.

29/11/2025

That feeling when the loan is finally settles? It's absolute magic. ✨

The weeks of collecting documents, the planning, the waiting, it all leads up to that one moment when the words "unconditional approval" land in your inbox. For us, that's one of the best parts of the job.

It's not just a loan; it's the keys to your future, the start of your family's next chapter, or the beginning of your investment journey. We live for the moment we get to share that excitement with you.

Ready to feel that relief? Let's get your application started.

We genuinely love working with our clients, so it's wonderful when we hear the feeling is mutual!Ready to experience 5-s...
28/11/2025

We genuinely love working with our clients, so it's wonderful when we hear the feeling is mutual!

Ready to experience 5-star service for your next move? Get in touch today! ⭐

🖤 The thrill of a Black Friday purchase lasts about a week. The savings from the right refinance can last for years. We ...
27/11/2025

🖤 The thrill of a Black Friday purchase lasts about a week. The savings from the right refinance can last for years.

We know where the real long-term value is found. Skip the instant gratification rush and book a free review with our team. A mortgage check-up can take less time than standing in line for the latest gadget and might save you thousands.

Address

Porirua
5024

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+64223037214

Website

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About Bernadette Huynen Bernadette Huynen Loan Market Mortgage Adviser servicing Porirua, Wellington, Hutt Valley, Kapiti Coast and surrounding suburbs