Daniel Watson

BA (Hons) Marketing, CeMAP, DipMAP, CeRER, CertPro

Director

01252 224620

07306 397829

daniel@kerrandwatson.co.uk

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Daniel Watson is a distinguished mortgage professional with over 15 years of industry experience. As a co-founder and director of Kerr & Watson, Daniel has played a pivotal role in shaping the firm into a leading independent mortgage and insurance brokerage. Kerr & Watson is renowned for offering bespoke advice across a wide range of services, including high net worth lending, mortgages for self-employed individuals, life insurance, income protection, and more.

Daniel’s extensive career spans several prominent roles within the industry. Before establishing Kerr & Watson, he served as a Business Development Manager at CHL Mortgages. In this role, he was instrumental in cultivating relationships and providing specialised mortgage solutions. Prior to this, Daniel held various positions at Precise Mortgages, including Specialist Distribution Manager and National Sales Manager, where he worked from 2017 2021. His time at Precise Mortgages was marked by a deep involvement in managing and developing sales strategies for specialist mortgage products.

Earlier in his career, Daniel contributed significantly to Fleet Mortgages, holding positions as Business Development Manager and Sales Manager. His experience also includes a role as Marketing Executive and Assistant Field Manager at CHL Mortgages, where he began his career in financial services. His responsibilities in these roles included customer service, sales, and marketing, providing him with a well-rounded understanding of the mortgage market.

Daniel’s academic background complements his professional expertise. He holds a Bachelor of Arts in Marketing from the University of Surrey, which he obtained in 2006. Furthering his education, he earned a Diploma in Mortgage Advice & Practice (DipMAP) from the Institute of Financial Services in 2013. He also holds several certifications, including the Certificate in Mortgage Advice and Practice (CeMAP) and the Certificate in Regulated Equity Release (CeRER), demonstrating his comprehensive knowledge and qualifications in mortgage and financial advice.

In addition to his technical skills, Daniel is known for his client-centric approach, focusing on providing clear, jargon-free advice that prioritises the client’s journey. His leadership at Kerr & Watson has been pivotal in offering high-quality services, including bespoke solutions for complex income cases, buy-to-let properties, and life and business protection insurance.

At Kerr & Watson, Daniel continues to drive the firm’s vision of delivering top-tier mortgage and insurance advice. The company prides itself on its ability to access the whole market, ensuring that clients receive the best possible options tailored to their individual needs. Daniel’s leadership and expertise have been crucial in building the firm’s reputation for excellence and customer satisfaction.

Outside of work, Daniel is a football coach for both his sons teams and also a marathon runner. Both require discipline and determination making him the perfect broker to have on your side when things get challenging.

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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

▸ ▾ 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 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.