Breakthrough Mortgage & Financial Services Ltd

09/07/2026

30/03/2026

Hop into a Better Mortgage Deal! 🏡💐

Spring is the season of fresh starts — So lets explore your options for a new home or a better mortgage rate. Whether you're buying, remortgaging, or just curious about what’s possible, I’m here to help you make confident, informed decisions.

📞 Message us today to get started!

06/02/2026

🏡 Struggling to save a big deposit for your first home?

This could be a game-changer 👇

Santander has launched My First Mortgage — designed specifically to help first-time buyers get on the property ladder sooner.

✨ Why it’s getting attention:
✔️ Buy with just a 2% deposit (minimum £10,000)
✔️ Up to £500,000 purchase price
✔️ 5-year fixed rate for payment certainty
✔️ No product fee + £250 cashback
✔️ Available through brokers

For many first-time buyers, saving a huge deposit is the biggest hurdle. This product is aimed at reducing that barrier — but it’s not right for everyone and there are eligibility rules to consider.

💬 If you’re thinking about buying your first home and want to know:
• whether you’d qualify
• how the payments compare to renting
• or if this is the right option for you

📩 Drop me a message or comment “First Home” and I’ll happily talk you through it — no pressure, just clear advice.

24/01/2026

Shame about the weather, but good luck to the boys today. 💪🏼🏉

Myself and loumorg_breakthrough_mortgages thank you very much Crickhowell Rugby for your hospitality 🏉🍻

22/01/2026

🏡 What is Bridging Finance?

Bridging finance is a short-term loan that helps you bridge the gap when a normal mortgage isn’t an option (yet).

Here’s how it works ⬇️

👉 You find a property you want to buy
👉 It might not be sold yet or it needs work before a bank will lend
👉 A bridging loan lets you move quickly and complete the purchase
👉 Once the property is sold, refurbished, or mortgage-ready, the loan is paid back (usually by selling or remortgaging)

Think of it like a financial stepping stone, not a long-term mortgage.

✨ Common reasons people use it:
• Buying before selling
• Auction purchases
• Properties that need renovation
• Avoiding chains falling apart

⚠️ Important bit:
Bridging finance is short-term and higher cost, so it’s all about having a clear exit plan — like selling or switching to a mainstream mortgage once the work’s done.

If you’re wondering whether bridging is the right move for your situation, that’s where proper advice matters.

📩 Please get in touch for more information

12/01/2026

“Is your mortgage feeling a bit out of shape? 🏋️‍♂️🏠

A quick financial check-up could save you money, reduce stress, and put you back in control.
If it’s been a while since you reviewed your mortgage, now’s a great time to give it a tune-up — message me and let’s see how fit your finances really are 💬”

22/12/2025

🎄 Merry Christmas & Happy New Year! 🎄

Thank you to all our clients, partners, and friends for your support throughout the year.

Our offices will be closed from today and will reopen on 5th January.

We look forward to helping you with your mortgage plans in the New Year.

Wishing you a wonderful festive break 🎅

21/08/2025

https://www.bbc.co.uk/news/articles/cdd3qm7ly8ro

The average five-year fixed rate is now 4.99%, falling below 5% for the first time since 2023.