Bespoke Mortgage
and Insurance Advice

When it matters most, get advice tailored to you.

Kerr & Watson is an independent regulated mortgage and insurance broker with access to the whole market.

We have a wealth of experience and strong industry relationships with high street providers, specialist lenders and insurers. This puts us in a prime position to secure your perfect mortgage and insurance policies.

We’ll provide you with a tailored financial solution to meet your individual needs.

Residential Mortgages

Secure your first property or your forever home with help from us.

Buy To Let Mortgages

First-time landlord or a professional investor, our advice can help you.

Bridging And Commercial Mortgage Advisor

Bridging And Commercial Mortgages

Need short term finance or a mortgage for a commercial property?

Insurance

Insurance that looks after you and your family.

Later Life Lending

You can enjoy the retirement you deserve, with our advice.

About us

Learn more about Kerr & Watson.

Why Kerr & Watson?

Understanding

We take the time to understand your situation so that we can search for the perfect mortgage and insurance for you. Any recommendation made is completely bespoke to your circumstances.

Experience

Mortgage and insurance advice is our speciality. We have decades of combined experience giving us the knowledge to overcome challenges and find the perfect solution for your needs.

Communication

We work around your schedule to arrange a mortgage or insurance policy that suits your needs. You’ll be kept updated throughout the entire process with clear communication so you’ll always know what’s going on.

Talk To Us

Featured In

Testimonials

    
 
 
        
   Emma Fox 
 19 April 2024
 
 
  As a first time buyer, mortgages are definitely a learning curve, Daniel has been super efficient and he secured an agreement in principle within 2 days. I would most definitely recommend this company and I have great confidence that I will be able to complete the whole process with Daniel's help.
  
 
       
   Matt & Belinda Gidman-Rowse 
 17 April 2024
 
 
  Daniel has been super helpful, informative, and patient since day one!
  
 
       
   Steve Mc 
 16 April 2024
 
 
  Struggling to find a  mortgage lender from a couple of brokers,  an internet search drew a phone call from Stephen Kerr of Kerr & Watson. Stephen was very empathetic and understanding of our situation and obtained the Agreement in Principle.
He and the team during our house bidding process kept us informed and aware. Their communication was excellent and  they were very supportive.
Unfortunately we didn’t make the best offer and so in  the end didn’t require that mortgage. But the ability to make the offer with the mortgage Stephen had obtained behind us gave us so much more confidence to be in the process.
I can’t recommend Kerr and Watson highly enough up to the application point, and I’m sure based upon that, anything beyond that point would also have been fully supported by them.
We have no hesitation in recommending them and would certainly use them for our next house purchase.
  
 
       
   Georgia Lock 
 6 April 2024
 
 
  Fantastic help from this team, Stephen and Chloe were really excellent
  
 
       
   jason mensa 
 21 March 2024
 
 
  Stephen and the team were wonderful to work with. Couldn’t recommend them enough! Thanks for all your hard work
  
 
       
   Paul Edwards 
 14 March 2024
 
 
  Excellent Broker, who helped me to get a mortgage despite my unusual circumstances.

In short, I needed to be sure that my lender would be ok with adult placement care (for vulnerable adults) and potentially also foster care (for children) taking place in the property I purchase (whereby these people live with you and you are paid for looking after them by the local authority). This broker went out of their way to find a lender who would be happy with my property being used in this manner. Without their help, I’m not sure what I’d have done regarding a future mortgage.

I would definitely highly recommend Kerr and Watson to all. They always get back to you in good timing about everything, and they pay attention to every important detail when working out what the best lender and mortgage deal is for you.
  
 
       
   Richard Elwell 
 11 March 2024
 
 
  Stephen has been really helpful over many years assisting with remortgaging both residential and buy to let properties for me. He is always helpful and professional and works hard to identify the best deal available.
I really appreciate his help and advice and would highly recommend him to anyone looking for mortgage advice, totally trustworthy.
  
 
       
   George Hillman 
 4 March 2024
 
 
  Dealing with Stephen and the team has been seamless when remortgaging my house. Very responsive to all my questions with great advice!
  
 
       
   emi remark 
 24 January 2024
 
 
  Daniel and Chloe have been absolutely amazing in finding a mortgage deal for me.  They have worked through all the steps required to get things over the line.  My personal situation was a bit more tricky to get the mortgage but they found a solution for me.  Chloe has been exceptional with communication and support over the all process.  I will continue to deal with them for other services beyond my mortgage.  Thank you to you both - Emi
  
 
       
   Rachel 
 15 January 2024
 
 
  Excellent service from Kerr & Watson, I dealt with Stephen and Chloe and they were both friendly and professional. They answered all my questions patiently and thoroughly and organised my mortgage offer very quickly. I’m really pleased I used them and will again to remortgage when my fixed term ends. I have also recommended them to friends.

Contact Details

01252 224620

info@kerrandwatson.co.uk

Pembroke House, 8 St. Christophers Place, Farnborough, Hampshire, GU14 0NH

Stay Ahead with The Kerr & Watson Mortgage App

Manage your mortgage with our free app, designed to help you stay ahead of interest rates, find the best deals, and make informed financial decisions effortlessly.

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Frequently Asked Questions

What does a mortgage advisor do?

A mortgage advisor evaluates your income, outgoings, credit history, and other financial commitments. They also assess property-related details, whether you’re buying or refinancing, ensuring you understand the best mortgage options for your situation. They also process the mortgage application to the lender, working with them to obtain a mortgage offer, then work with the conveyancer towards the completion of your purchase or remortgage.

How does a mortgage advisor enhance the likelihood of mortgage approval?

A mortgage advisor increases your chances of mortgage approval by matching you with the most appropriate lenders, optimising your application, and navigating complex lending criteria to find the best value deal for your circumstances.

What are the financial benefits of working with a mortgage advisor?

Working with a mortgage advisor can save you from costly mistakes such as choosing the wrong mortgage type or failing to meet a lender’s criteria. Their expertise often leads to securing more favourable mortgage terms and rates.

Can a mortgage broker get you a better rate?

Often, a mortgage broker can find more cost-effective deals for you, even when their fees are considered, they can review the whole market and access exclusive broker only products that may not be available directly to the public.

What steps should you take before speaking to a mortgage advisor?

Before speaking with a mortgage advisor, gather all relevant financial documents, including payslips, bank statements, and details of your credit history to ensure an accurate assessment of your situation.

What range of financial history do mortgage advisors examine?

Mortgage advisors and lenders typically assess the last six years of your credit history to gauge your financial behaviour, this includes any missed payments or defaults.

How long does it take a mortgage advisor to get a mortgage offer?

The process from application to approval of a mortgage can vary, normally this is anywhere from two to six weeks depending on the mortgage lender and the complexity of your situation.

Do mortgage advisors have access to exclusive mortgage rates?

Yes, mortgage advisors often have whole-of-market access, which allows them to secure competitive rates, sometimes not directly available to consumers.

What documents do mortgage advisors typically require?

Advisors typically need proof of identity, proof of address, 3 months payslips, tax calculations or accounts, bank statements, and potentially credit report to fully assess your financial situation.

What are the advantages of using a mortgage broker rather than going direct to your bank?

A mortgage broker can provide whole of market advice by comparing offers from multiple lenders, potentially securing better rates and terms than a single bank’s offerings.

Who are the Financial Conduct Authority?

The Financial Conduct Authority (FCA) regulates mortgage brokers and lenders to ensure they adhere to ethical and professional standards.

How do you know if your mortgage advisor is qualified?

A qualified mortgage advisor should have a Certificate in Mortgage Advice and Practice (CeMAP) or equivalent, which is recognised by the Financial Conduct Authority (FCA). They should also be listed on the Financial Services Register, ensuring they are authorised to give mortgage advice.

How can you get a free credit report?

Lenders look closely at your credit score to decide how risky it is to lend to you. A good credit score can not only boost your chances of getting approved for a mortgage but might also get you better interest rates.

CheckMyFile offer a 30-day free trial you can cancel at anytime.

CheckMyFile is a UK credit reporting service that collates information from the most popular credit referencing agencies, Equifax, Experian & TransUnion.