Behind the Scenes
Life at Kerr & Watson.
At Kerr & Watson, we’re more than just mortgage and protection experts we’re a close-knit team that values people, purpose, and partnership. From team outings to award ceremonies and everything in between, this gallery offers a glimpse behind the scenes into the moments that make our workplace special.
See the people behind the advice, the relationships we build, and the milestones we celebrate together.






Testimonials
Posted on Parisa Borjipour17 December 2025 We had an amazing experience with our mortgage broker, Marie. She found us a great deal and found ways to make our application less complicated and much easier to manage. She explained everything clearly and helped simplify what could have been a stressful process. Andreea also supported the case and helped us throughout the application, which we really appreciated. I would definitely recommend Kerr & Watson to anyone looking for a mortgage broker.Posted on CATHY IRONS3 December 2025 Very efficient and thoughtful servicePosted on PMC27 November 2025 Daniel Watson and his team were incredibly helpful throughout the entire mortgage process. They were knowledgeable, patient, and always quick to answer any questions I had. Their support made what could have been a stressful experience feel smooth and straightforward. I’m truly grateful for their guidance and highly recommend their services to anyone looking for expert mortgage advice!Posted on James Brackenborough24 November 2025 Daniel and his team at Kerr & Watson have been fantastic when supporting my partner and I with our first house purchase. They have been extremely informative and the service has been excellent. I must also mention customer care provided by Andreea has been superb!! I highly recommend - Thank you!Posted on Delano Greenidge19 November 2025 I can't fault their service. James walked me through my limited company BTL mortgage, and found a lender willing to work with my specific circumstances. Kept me informed all the way. Highly recommend.Posted on Alex Howard19 November 2025 We cannot thank Kerr and Watson enough for their assistance in our mortgage application. It was genuinely looking like we were not going to be able to get one approved until Stephen stepped in and secured a mortgage for us, after putting considerable time and effort in on our behalf. Following the successful application, Andreea and Stephen have been super helpful, advising us on several matters and recommending other businesses to help with parts of our property purchase. If I could give them 6 starts I would, highly recommend.Posted on Dale Zeffertt19 November 2025 Incredible service. Thanks to the relentless work ethic and expertise of James and the Kerr & Watson team, me and my family are able to buy our first family home. I’ll recommend them to everyone I know. Despite difficult market conditions they didn’t let us down and came through under difficult circumstances. They got a customer for life from me.Posted on Louise Handley18 November 2025 Daniel, Matthew and team have been brilliant, very efficient and even contacted me to let me know they might be able to get a better rate if I was happy for them to reapply, which has saved me another £300 per year. Highly recommend.Posted on Shazia Sheikh17 November 2025 We were caught between securing the property we wanted to buy, with a suddenly nervous buyer for the property we were selling - 10 months into the process of course. So we looked to Dan and talked through options like a bridging loan, which meant we were able to proceed with the purchase, and also have time to - if needed - start again with the ssale.Thanks Dan for talking through the options, and being available so quickly.Posted on Shannon Townsend12 November 2025 Kerr & Watson offer professional, reliable mortgage advice with clear communication and a seamless process. They’re open and transparent about fees when discussed, making them an excellent choice for tailored, mortgage and insurance advice.
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Kerr & Watson | Address: Pembroke House, 8 St Christophers Pl, Farnborough GU14 0NH, UK | Phone: 01252 224620 | Email: info@kerrandwatson.co.uk | Hours: Mon-Fri 9:00–17:30
Frequently Asked Questions
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.
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.
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.
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.
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.
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.
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.
Yes, mortgage advisors often have whole-of-market access, which allows them to secure competitive rates, sometimes not directly available to consumers.
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.
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.
The Financial Conduct Authority (FCA) regulates mortgage brokers and lenders to ensure they adhere to ethical and professional standards.
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.
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 after which a subscription fee applies, which can be cancelled any time.
CheckMyFile is a UK credit reporting service that collates information from the most popular credit referencing agencies, Equifax, Experian & TransUnion.

