Articles And Case Studies
Get Updated with Our Insightful Articles and Case Studies.
Stay in the know with our collection of articles and case studies. We provide you with the insights and knowledge to keep you informed on the Mortgage and Insurance Market.
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Bank Of England Base Rate – May 2024
The Bank of England holds interest rates again at 5.25% The Bank of England’s Monetary Policy Committee (MPC) has today decided to keep the Bank Rate at 5.25%, with 7 members in favour and 2 preferring a decrease to 5%. The decision was based on updated projections outlined in the May Monetary Policy Report. Despite… Read more
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Halifax House Price Index April 2024
UK house prices hold steady in April Amanda Bryden, Head of Mortgages, Halifax, said: UK house prices held steady in April, rising on a monthly basis by just +0.1% (less than £200 in cash terms). Annual growth rose to +1.1%, from +0.4% in March, though this can be attributed to the base effect of weaker… Read more
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Inflation – March 2024
UK inflation falls to 3.2% in March Key Points at a Glance: CPI inflation dropping to 3.2% marks its lowest level since September 2021. This decrease, highlighted by data from the Office for National Statistics (ONS), reflects a continuing trend from February’s 3.4% figure. Economists had anticipated a slightly lower reading of 3.1%. It’s important… Read more
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The Mortgage Process: What Lenders Look For and What Underwriters Do
Mortgage underwriters are the gatekeepers of mortgage approval, meticulously assessing every aspect of a your financial profile. We explain the intricacies of mortgage underwriting, shedding light on what lenders scrutinise and offering actionable advice to bolster your chances of securing that coveted mortgage offer. Understanding Mortgage Underwriting At the heart of the mortgage approval process… Read more
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Halifax House Price Index March 2024
Annual growth slows, but house prices remain up on last year Kim Kinnaird, Director, Halifax Mortgages, said: “UK house prices grew in March on a quarterly basis, by +2.0%, with annual growth slowing to +0.3%, from 1.6% in February. Compared to last month, the price of a UK property fell -1.0% or £2,908 in cash… Read more
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Kerr & Watson Shortlisted for Broker Firm of the Year
We’re excited to share some incredible news that marks a milestone in our journey. Kerr & Watson has been officially shortlisted as a finalist for the “Broker Firm of the Year (up to 10 employees)” category at this year’s Financial Reporter Awards! Broker Firm of the Year (up to 10 employees) This category shines a… Read more
Accountant Adverse Credit Awards Bank Of England Basingstoke BOE Buy To Let Camberley Credit Score Credit Scoring Critical Illness Critical Illness Cover Director Farnborough Farnham Farnham Herald Fleet Further Advance Government Home Mover House Prices Inflation Interest Rates Interview Knaphill Life Insurance Maternity maternity leave Mortgage Application Mortgage Introducer Mortgage Offer Mortgage Offer Expiry ONS Product Transfer Remortgage SONIA Spring Budget Stamp Duty Stamp Duty Calculator Stephen Kerr Swap Rates The Mortgage Works Underwriter Underwriting Vitality
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.
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Testimonials
Gareth Broughton29 April 2024Excellent highly recommended service. They spent time understanding my needs, and handled all enquiries through the application process. When we had issues with the mortgage (through no fault of Kerr & Watson) Daniel & Chloe worked hard to resolve this, and was always on top of everything, constantly chasing solicitors and the mortgage provider. I cannot recommend them enough!
Ashleigh Beney19 April 2024Friendly advice to review life insurance. Great service and would recommend
Emma Fox19 April 2024As 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-Rowse17 April 2024Daniel has been super helpful, informative, and patient since day one!
Steve Mc16 April 2024Struggling 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 Lock6 April 2024Fantastic help from this team, Stephen and Chloe were really excellent
jason mensa21 March 2024Stephen and the team were wonderful to work with. Couldn’t recommend them enough! Thanks for all your hard work
Paul Edwards14 March 2024Excellent 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 Elwell11 March 2024Stephen 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 Hillman4 March 2024Dealing with Stephen and the team has been seamless when remortgaging my house. Very responsive to all my questions with great advice!
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