Bernie Upton

Mortgage Adviser | FSP No. 482988
Squirrel Mortgages Ltd | FAP Licence No. 136364

Proudly recognised as one of New Zealand’s Top Mortgage Advisers 2025 by NZ Adviser (NZA).

Bernie Upton is one of Wellington’s top mortgage advisers with an impressive track record in lending and customer service. Bernie is definitely someone you want on your team when getting a home loan. 

Bernie has over a decade's worth of experience in the industry — prior to that, he also enjoyed a successful professional rugby career. 

Bernie’s strength is simplifying the home buying process for his customers and his knowledge of the banking industry. Having such a strong knowledge of the industry enables Bernie to offer his clients the best advice on their mortgages including how best to structure their loans to suit their financial goals and lifestyle. 

The huge number of repeat clients and referrals Bernie receives is testament to his reputation as a top mortgage adviser who will go the extra mile and negotiate the best possible mortgage package for his clients. 

If you need a mortgage adviser who will work in your best interests, then contact Bernie today. 

Qualifications

NZ Certification in Financial Services.

How Bernie is paid

Bernie is a commissioned adviser and is paid the same no matter which lender you choose, so there's no pressure or bias toward any particular option. At a company level, Squirrel is paid either upfront or through a combination of upfront and trail commissions by its lenders and insurance providers.

In most cases, his services are completely free, however there may be some occasions where he might need to charge a fee. For more information, please head to our mortgage advice disclosure page.

Bernie's commitment to you

As a licensed financial adviser, Bernie follows the rules set out by the Financial Markets Conduct Act and the Code of Professional Conduct. This means he must put your interests first, act with care, skill and diligence, be competent and ethical and treat you fairly. Bernie has no relevant convictions, bankruptcies or disciplinary actions to disclose.

Squirrel Mortgages Limited holds a Financial Advice Provider Licence issued by the Financial Markets Authority (FMA).

If you’re unhappy with the advice or service you receive and want to make a complaint, you can view our complaints process here.

Bernie's profile was last updated: September 2025