Secured Loans For Home Improvements

How Secured Loans Can Fund Your Home Improvements Improving your home is exciting, but paying for it can feel overwhelming. Whether you are planning a new kitchen, an extension, or essential repairs, the cost often adds up quickly. Many homeowners turn to secured loans for home improvements as a way to spread the cost over… Read more
Can You Get a Mortgage After Bankruptcy

I Was Made Bankrupt. How Does That Affect Me With a Mortgage? Being made bankrupt can affect your ability to get a mortgage, but it does not always stop you from buying a home in the future. The impact usually depends on how long ago the bankruptcy happened, whether you have been discharged, what your… Read more
Commercial Mortgages For Dental Practices

How to Get a Commercial Mortgage for a Dental Practice If you are planning to buy a dental practice, purchase your surgery premises, expand to a second site, or simply refinance for better terms, the right commercial mortgage can make all the difference. The dental sector is unique. Lenders look at goodwill, regulatory approvals, the… Read more
How Do Credit Cards Affect a Mortgage Application?

Can Credit Card Debt Stop You Getting a Mortgage? Credit cards can affect a mortgage application, but having a credit card does not automatically stop you from getting a mortgage. Lenders are usually more interested in how you use the card, how much you owe, whether payments have been made on time, and whether the… Read more
Day Nursery Commercial Mortgage

How to Get a Commercial Mortgage for a Day Nursery Running a nursery is one of the most rewarding businesses you can operate, providing an important service that supports families and shapes children’s early development. However, whether you are buying your first setting, expanding an existing nursery, or refinancing your current premises, arranging the right… Read more
Finalist: Mortgage Broker of the Year 2025 Award

We’re thrilled to share that Kerr & Watson has been named a Finalist for Mortgage Broker of the Year (up to 10 employees) at the prestigious Financial Reporter Broker Awards 2025! Now in their 12th year, the Financial Reporter Broker Awards celebrate the very best in the UK mortgage and protection industry. These awards are… Read more
How Do Childcare Costs and School Fees Affect Your Mortgage?

Mortgage Affordability and Childcare Costs Explained Childcare costs can affect how much you are able to borrow on a mortgage because lenders look at your income and regular household outgoings before deciding what is affordable. For many parents, nursery fees, childminder costs, wraparound care, after-school clubs or private school fees are among the largest monthly… Read more
Costs And Fees When Buying Your Home

Understanding the costs and fees when buying property When you buy a property, the purchase price is only part of the overall cost. There are several fees and expenses involved before, during, and after completion. Some are paid upfront, some are linked to your mortgage, and others are ongoing once you own the property. Understanding… Read more
Mortgage With Japanese Knotweed

Can You Get a Mortgage with Japanese Knotweed? If you have found a home you love and the survey mentions Japanese knotweed, you might feel worry. You may have heard stories about lenders refusing to lend or sales falling through at the last moment. However, it can be possible to get a mortgage with Japanese… Read more
Highly Commended: 2025 Mortgage Awards

Kerr & Watson was Highly Commended in the Broker Firm of the Year (up to 10 advisers) category at the MoneyAge Mortgage Awards 2025. We’re really pleased with this result. It’s recognition of the work our advisers and support team put into helping customers find suitable mortgages, particularly when their circumstances aren’t straightforward. A Great… Read more
When Should You Refinance Asset-Backed Lending

Why Refinance Your Asset Backed Lending Facility Refinancing an existing asset backed lending facility can be a strategic way to strengthen your business finances. Whether you want to reduce borrowing costs, release additional capital, or secure more flexible terms, refinancing gives you the chance to re-evaluate how your assets are working for you. If your… Read more
Do You Need House Insurance for a Mortgage?

What Insurance Do You Need for a Mortgage? If you are buying a home with a mortgage, you will usually need buildings insurance in place before the mortgage completes. It is not a legal requirement in the UK, but most mortgage lenders make buildings insurance a condition of the mortgage because the property is used… Read more

Category: Knowledge