Blackstar Mortgages & Protection

Blackstar Mortgages & Protection Let us help you get the keys to your dream home and protect the investment once you have them

If you're considering property investment, you've probably come across the term rental yield.Put simply, rental yield lo...
03/09/2026

If you're considering property investment, you've probably come across the term rental yield.

Put simply, rental yield looks at the rental income generated by a property compared with its value. It can be a useful way of comparing potential investments, but it shouldn't be the only figure you consider. Mortgage costs, maintenance, insurance, management fees and periods without tenants can all affect the actual return you receive.

When comparing potential investments or property yields, please note that figures and assumptions can vary widely depending on market conditions, location, and individual property attributes. You should base decisions on verified sources and review the underlying assumptions for any comparison.
The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.
Your home may be repossessed if you do not keep up with repayments on your mortgage.

When your initial mortgage deal comes to an end, you don't necessarily have to simply accept whatever rate comes next 🏠D...
01/09/2026

When your initial mortgage deal comes to an end, you don't necessarily have to simply accept whatever rate comes next 🏠

Depending on your circumstances, you may have the option to look at a new mortgage deal or remortgage.

The earlier you start reviewing your options, the more time you may have to prepare. If your current deal is coming to an end, it could be a good time to start the conversation.

Your home may be repossessed if you do not keep up with repayments on your mortgage.

When your initial mortgage deal comes to an end, you don't necessarily have to simply accept whatever rate comes next.De...
01/09/2026

When your initial mortgage deal comes to an end, you don't necessarily have to simply accept whatever rate comes next.

Depending on your circumstances, you may have the option to look at a new mortgage deal or remortgage.
The earlier you start reviewing your options, the more time you may have to prepare.
If your current deal is coming to an end, it could be a good time to start the conversation.

Your home may be repossessed if you do not keep up with repayments on your mortgage.

Meet Mike 👋Mike founded Blackstar Mortgages to give people a trusted, reliable partner who will look out for their best ...
31/08/2026

Meet Mike 👋

Mike founded Blackstar Mortgages to give people a trusted, reliable partner who will look out for their best interests every step of the way.

With over 30 years of experience in financial services, including roles as a stockbroker, Independent Financial Adviser (IFA) and complaints manager, Mike brings a uniquely comprehensive perspective.

His goal has always been simple: take the stress away and make things crystal clear, offering friendly, honest guidance while building long-term relationships. 💪

Outside of work, Mike enjoys painting, playing the guitar, tinkering with cars and causing chaos in the kitchen, bringing the same meticulous mindset to tailoring the right mortgage solution for every client. 🎸🚙

A property's monthly rent is only one part of the investment equation.When assessing a potential property investment, it...
28/08/2026

A property's monthly rent is only one part of the investment equation.
When assessing a potential property investment, it is important to look beyond the headline rental figure and consider the costs involved in owning and managing the property.
A property that looks attractive on paper may look very different once all of the costs have been considered.
The numbers matter. Make sure you understand them before committing to a purchase.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

You’ll often hear the term LTV when talking about mortgages, but what does it actually mean? Loan-to-Value, or LTV, is t...
26/08/2026

You’ll often hear the term LTV when talking about mortgages, but what does it actually mean? Loan-to-Value, or LTV, is the percentage of the property value that you are borrowing.

For example, if you buy a £250,000 property with a £50,000 deposit, you would need a £200,000 mortgage. That would give you an 80% LTV. (This is a simplified illustrative example; actual figures and eligibility may differ depending on lender criteria and your individual circumstances. Figures are provided for explanatory purposes only and do not reflect real offers.)

Past performance or illustrative figures are not indicative of future offers or outcomes.

Your home may be repossessed if you do not keep up with repayments on your mortgage.

Being self-employed does not automatically put you out of the running for a mortgage. 🤞The important thing is that lende...
21/08/2026

Being self-employed does not automatically put you out of the running for a mortgage. 🤞

The important thing is that lenders can assess your income and circumstances in different ways, and their criteria are not all the same. ❌

Whether you are a sole trader, company director or contractor, it can be useful to understand your options before approaching a lender.

If you’re self-employed and thinking about buying or remortgaging, let’s talk about your circumstances. ☎️

Your home may be repossessed if you do not keep up with repayments on your mortgage.

Mortgage overpayments could potentially help you:📈 Reduce the amount of interest paid🏡 Shorten your mortgage term🧱 Build...
19/08/2026

Mortgage overpayments could potentially help you:

📈 Reduce the amount of interest paid
🏡 Shorten your mortgage term
🧱 Build equity faster

But check your mortgage terms first.

If you have some spare money each month, you may have wondered whether putting it towards your mortgage could be worthwhile. 🤔

Making overpayments can potentially reduce the amount of interest you pay over the life of your mortgage and could help you become mortgage-free sooner. 📉

However, there can be limits, charges or restrictions around overpayments depending on your mortgage.

Before making a decision, it is worth checking what your current mortgage allows and considering the wider picture.

Your home may be repossessed if you do not keep up with repayments on your mortgage.

Meet Alistair 👋Alistair is the Managing Director and Founder of both Hayward Wright and Blackstar Mortgages. He is respo...
17/08/2026

Meet Alistair 👋

Alistair is the Managing Director and Founder of both Hayward Wright and Blackstar Mortgages.

He is responsible for leading the firm and supporting his wider teams to develop their skills and experience. ✅

Although Alistair's day-to-day focus is on his accountancy practice, he still finds time to support a range of clients, with many years of experience supporting property developers and investors, the hospitality industry and the motorsport sector. He is passionate about providing value-added advice to our clients.

Outside of work, Alistair is passionate about cooking, trying out new recipes for friends and family, and is a keen motorsport and rugby fan. 🧑‍🍳🏉

Great time at Silverstone watching our director, Al, race! 🏎️
16/08/2026

Great time at Silverstone watching our director, Al, race! 🏎️

Address

4 Clews Road
Redditch
B987ST

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+441527395477

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