Debbie Reed is an award-winning Mortgage Adviser with Loan Market, based in Hastings and serving clients across Hawke's Bay and beyond. Recognized in the NZ Adviser Top Brokers awards with an outstanding client satisfaction rating of 9.0 or higher out of 10, Debbie is celebrated nationwide for her exceptional care and ability to make complex lending simple.

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Real trust. Real results. Voted entirely by real Kiwis.

The NZ Adviser Top Brokers report recognises New Zealand’s leading mortgage professionals based entirely on authentic client nominations and independent ratings rather than pure loan volume.

To achieve this national recognition, Debbie Reed secured an extraordinary client rating of 9.0 or higher out of 10 across critical service benchmarks:

• Proactive & Clear Communication: Keeping clients informed, reassuring them through stressful steps, and picking up the phone whenever needed.
• Personalised Service: Listening deeply to understand each client's unique situation and crafting finance around their personal goals.
• Clarity and Honesty: Breaking down complex banking jargon into clear, reassuring, and actionable advice.

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Debbie’s Difference – Tenacity & Expertise

Debbie has built her reputation as one of Hawke's Bay’s most trusted mortgage advisers on a distinct philosophy: being fully present for her clients and fighting for solutions where others give up.

Over 16 Years of Combined Banking & Advising Knowledge

Drawing on over 10 years of institutional banking experience and years as a top mortgage adviser, Debbie knows how lenders assess applications inside and out. She uses this insider insight to navigate complex lending criteria, structure deals effectively, and turn bank rejections into approvals.

Unmatched Tenacity & Client Care

Debbie is known for going above and beyond—whether it’s helping first-home buyers navigate KiwiSaver, guiding single parents, or advocating for clients with unique circumstances. Her clients value her warm, accessible approach and know she genuinely has their back.

A Lifelong Partnership Beyond Settlement

Debbie views lending as an ongoing relationship rather than a single transaction. From securing pre-approvals to providing rate-refixing strategies, debt consolidation, and ongoing mortgage health checks, her support continues long after you get the keys.

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Core Mortgage Services & Areas of Expertise

Debbie provides expert guidance across a wide range of property and finance needs:

• First Home Buyers: Guiding you through the ladder with deposit advice, KiwiSaver withdrawals, and low-deposit schemes.
• Next Home Buyers & Upsizing: Managing simultaneous buying and selling, navigating bridging options, and unlocking existing equity.
• Property Investment: Strategic loan structuring to optimize cash flow, navigate LVR rules, and grow your portfolio.
• Mortgage Refinancing: Reviewing your existing mortgage to secure better interest rates, consolidate debt, or free up equity.
• Fixed-Rate Reviews: Proactively monitoring the market to restructure and refix your mortgage before your term expires.

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Ready to secure your financial future with one of New Zealand's most trusted, client-voted mortgage advisers?

Contact Debbie Reed today for a friendly, obligation-free chat.