Mortgages

What to do if my Fixed Rate Mortgage Deal Ends?

What to Do When Your Fixed Rate Mortgage Deal Ends As your fixed-rate mortgage deal approaches its end, you may be wondering what your next steps should be. This period can be daunting, especially if you’re unsure about what happens next or how it might impact your finances. However, with the right guidance and a… Read more
Single Parent Mortgages

Single Parents: Expert Tips and Options for Securing Your Home Securing a mortgage as a single parent can feel daunting, but it’s entirely possible with the right guidance and preparation. While single parents may face unique challenges during the mortgage application process, such as meeting affordability checks, lenders have different methods of calculating income so… Read more
How Do Mortgage Interest Rates Work?

Mortgage Interest Rates: Types, Factors, and Advice Understanding mortgage interest rates is crucial when you’re looking to buy a home or remortgage. The interest rate on your mortgage determines how much you’ll repay over the life of the loan. This guide will help you grasp the different types of mortgage interest rates, how they are… Read more
£1 Million And Above Equity Release Mortgages

Equity Release for High-Value Homes: Tailored Solutions For high-net-worth (HNW) property owners, your home is not just where you live—it’s a substantial asset that can work for you. Whether it’s an elegant Georgian townhouse in central London, a sprawling estate in Surrey, or a countryside mansion in Hampshire, your property is likely to hold significant… Read more
Buy to Let Mortgage Deposits

Buy to Let Mortgage Deposits: Everything You Need to Know Before Investing in Property Investing in property can be a lucrative venture, and buy-to-let mortgages are a popular choice for those looking to enter the rental market when they can not buy with cash or prefer not to use all of their own funds. Understanding… Read more
Buy To Let Limited Company Mortgage Advisor

Embarking on the journey of purchasing investment properties through a limited company can be a thrilling yet complex experience. With numerous factors to consider, from mortgage rates to corporate structures, the process can be challenging. This is where a Buy To Let Limited Company Mortgage Advisor becomes essential – your guide through the intricate world… Read more
What Does Loan to Value Mean?

What Does Loan to Value (LTV) Mean? When you’re looking at the world of mortgages, it’s easy to feel overwhelmed by the jargon and technical terms thrown your way. One of the most important concepts you’ll likely encounter is Loan to Value, often abbreviated as LTV. Understanding LTV is important, as it directly affects the… Read more
Portfolio Landlord Mortgage Advisor

Navigating the complexities of a buy to let mortgage can be challenging, especially when managing a portfolio of properties. These mortgages come with their unique set of challenges and considerations, from understanding varied rental incomes across different properties to specific mortgage requirements for landlords with multiple holdings. This is where a specialised Portfolio Landlord Mortgage… Read more
Mortgages for Lawyers

Mortgages for Lawyers, Solicitors & Barristers As a lawyer, solicitor or barrister, you’re likely juggling a demanding schedule, sometimes a more complex income structure, and long-term financial goals. Whether you’re employed at a firm, self-employed in chambers, or just starting your legal career, getting a mortgage may feel complicated. The good news? Your profession is… Read more
Private Bank Mortgages

Private Bank Mortgages: Bespoke Solutions for High Net Worth Individuals Private bank mortgages can offer a bespoke solution for high net worth individuals whose financial situations are often too complex for traditional high street lenders. Whether you’re dealing with a substantial asset portfolio, multiple income streams, or looking to borrow a significant amount, a private… Read more
Mortgages for Doctors

Mortgage Solutions for Medical Professionals Securing a mortgage as a doctor can present unique challenges due to complex income structures and varying employment situations. However, with the right guidance, obtaining a suitable mortgage can be a straightforward process. At Kerr & Watson, we specialise in helping medical professionals, ensuring you find the best mortgage solution… Read more
Mortgage With No Early Repayment Charges

Understanding Mortgages Without Early Repayment Charges As a homeowner or prospective buyer, navigating the world of mortgages can be complex. One aspect that often causes concern is the early repayment charge (ERC). If you’re considering paying off your mortgage early, it’s crucial to understand how ERCs work and the options available to avoid them. At… Read more