Bree Taylor-Blair Mortgage Advisor Mortgage Link Otago

03/11/2026

Borrowing the maximum amount a lender offers can be tempting. But what will your repayments look like?

A bigger mortgage may leave less room for everything else. So think about your budget, your plans and your lifestyle.

💬 Not sure what’s comfortable for you? Call Bree: 027 6881947 - I can help you find a mortgage that fits your situation.

01/11/2026

26/10/2026

Interest rates are expected to keep rising due to ongoing inflation pressures. So, how long should you fix your mortgage rate for?

There’s no universal right answer. It depends on your circumstances.

📌 Fixing longer buys you certainty if rates keep climbing. But you could be stuck paying more if rates fall in the meantime. Selling your home before your fixed term ends could also mean a break fee.

📌 Fixing shorter may be cheaper for now, but you’re exposed to any interest rate rise sooner.

No one can say where interest rates are heading next. What we can do is help you make an informed decision based on your goals, needs and plans.

💬 Want to explore your options? Call Bree: 027 6881947

19/10/2026

When the Official Cash Rate moves, not every bank passes on increases or savings at the same speed.

According to the FMA, new borrowers tend to have their rate lifted faster than existing customers: on average between 2 and 15 days, compared to 8 days to 5 weeks for existing bank customers.

💬 Worth comparing your options? Call Bree: 027 6881947

12/10/2026

Looking at buying or selling property soon? This little guide's for you.

Learn about the four main sale methods in NZ and how to approach each one.

And don’t forget about the finance side. As always, we’re here to help you make well-informed decisions.

💬 Want to learn more? Call Bree: 027 6881947

05/10/2026

Are you on a fixed-term mortgage rate? It’s worth knowing what break fees could cost you.

A break fee may apply when you end your fixed-term mortgage early or pay it down too quickly. Two common scenarios:

💡 Paying extra on your fixed-term mortgage beyond your lender’s allowed limit.

💡 Selling your property and repaying the mortgage before your fixed term ends.
The amount depends on your lender and how interest rates have moved since you fixed.

💬 Want to learn more? Call Bree: 027 6881947

30/09/2026

Just back after an amazing 7 weeks exploring Europe, and what a welcome home!

While I was away, I was honoured to receive 2nd Place nationally (Gold Award) for Individual Mortgage Adviser at the Link Financial Group Conference. 🏆

I’m very proud of this honour, mostly because an award like this is never just about one person.

A huge thankyou to all of my wonderful customers, who trust me to help with such an important part of their lives. It’s really a privilege to be part of the journey.

And to my colleagues and support crew at Mortgage Link Otago - I simply couldn’t do the job I love without you!

Feeling very grateful to be home and ready to get back into it. If you’re thinking about your next property move, I’d love to help: 027 6881947

28/09/2026

I thought I’d leave this here… a few things worth ticking off before spring gets away on you.

📌 Save this for the weekend.

21/09/2026

The moment your bid wins, you’re in a legally binding contract.

This means you can’t pull out if your finance falls through, negotiate the price afterwards, or rely on a cooling-off period to change your mind.

General pre-approval isn’t enough either. Your lender needs to sign off on the exact property before auction day.

💡 The solution? Loop your adviser in as soon as you've got an address.

We can fast-track your application with the lender and, if possible, push for urgency when time is tight.