Mortgages for Prime London Real Estate

Luxury London Property Mortgages Prime London real estate is one of the most desirable property markets in the world. It offers unmatched prestige, incredible investment opportunities, and a lifestyle that’s second to none. From the leafy avenues of Hampstead and the iconic streets of Kensington to the lively charm of Chelsea and Mayfair, these exclusive… Read more
Mortgages for Influencers

Mortgages for Influencers – Mortgage Advice for Self-Employed Creators As an influencer, your work life may be far from traditional, but that doesn’t mean your plans to buy a home should be. Securing a mortgage when your income comes from diverse sources such as brand deals, sponsorships, and content creation may seem daunting. Lenders often… Read more
How to Change from Interest-Only to a Repayment Mortgage

Switching from Interest-Only to Repayment Mortgage If you currently have an interest-only mortgage, you might be considering switching to a repayment mortgage. The prospect of fully repaying your mortgage by the end of its term can provide significant peace of mind. However, transitioning from an interest-only to a repayment mortgage involves careful consideration. Here we… Read more
The Mortgage Charter

Chancellor Jeremy Hunt, along with principal mortgage lenders and the FCA, has introduced a ‘New Mortgage Charter’ offering support to homeowners as interest rates rise. Key details about the Mortgage Charter This move will bring much-needed comfort to homeowners concerned about high interest rates and support those in difficulty. Feel free to reach out! Full… Read more
Does Using an Overdraft Affect Credit Score?

Does using an overdraft affect your credit score? Yes, using an overdraft can affect your credit score, although simply having an arranged overdraft does not automatically damage it. An overdraft is a form of credit and can appear on your credit report. How it affects your credit profile will depend on factors such as how… Read more
Can I add Someone to my Existing Mortgage

How to Add Someone to Your Mortgage: Key Steps and Considerations Adding someone to an existing mortgage is a significant decision that can provide financial support and security. If you are adding a partner, family member, or friend, this process involves legal and financial considerations. At Kerr & Watson, we specialise in providing tailored mortgage… Read more
High Value Mortgages for Ultra-High-Net-Worth Individuals

Ultra-High-Value Mortgages: Interest Rates, Deposits & Fees A high-value mortgage, whether for example, £15 million, £20 million or even £50 million (and all in between!) is a substantial financial commitment that demands expert advice, bespoke terms, and a clear understanding of the associated costs. At Kerr & Watson, we specialise in sourcing tailored mortgages for… Read more
Joint Mortgage When One Applicant Is Self-Employed

Getting a Joint Mortgage When One of You Is Self-Employed: A Complete Guide If you’re exploring the idea of applying for a joint mortgage and one of you is self-employed, you’re not alone. Many couples or co-buyers are in a similar situation, where one person is on a traditional PAYE income and the other works… Read more
Can I Remortgage My House to Buy Another Property?

Can I Use a Remortgage to Purchase Another Property? Yes, it may be possible to remortgage your house to buy another property, provided you have enough equity, the borrowing is affordable and the lender is comfortable with the purpose of the funds. This can be used to raise a deposit for a second home, buy-to-let… Read more
Why Use Invoice Discounting

Why Use Invoice Discounting? Benefits, Cash Flow Advantages & How It Works When your business relies on regular cash flow, waiting weeks for clients to pay invoices can create strain. Invoice discounting provides a practical and confidential way to access funds faster, improving liquidity without disrupting relationships with your customers. By using your unpaid invoices… Read more
Joint Borrower Sole Proprietor Right to Buy

Right to Buy & Joint Borrower Sole Proprietor Mortgages If you are exploring the Right to Buy scheme and wondering whether a Joint Borrower Sole Proprietor mortgage could help with your application, you are not first to ask about this. Many people look for ways to boost their borrowing power when buying their council home.… Read more
Converting a Commercial Property to Residential

Commercial to Residential Property Conversion With housing demand on the rise and high streets evolving due to changes in retail behaviour, converting commercial properties to residential use has become an appealing investment strategy. While it can yield significant rewards, such as increased property value and rental income, the process involves careful planning and compliance with… Read more

Category: Knowledge