Category: Home Mover Mortgages

  • Case Study: Helping a Home Mover in Petersfield

    Case Study: Helping a Home Mover in Petersfield

    Introduction Moving home can be a complex process, particularly during life changes such as divorce. This case highlights how we supported a customer in Petersfield to secure a tailored interest-only mortgage, providing the flexibility and stability needed to move forward with their plans. The Scenario The customer was in the process of a divorce, with Read more

  • Case Study: Helping a Home Mover in Farnham Secure Stability After Divorce

    Case Study: Helping a Home Mover in Farnham Secure Stability After Divorce

    Purchasing a new home during a significant life transition, such as a divorce, can be challenging. This case highlights how we helped a home mover in Farnham secure a tailored mortgage that offered stability and aligned with their financial goals. The Scenario The customer was divorcing and selling their marital home, resulting in £340,000 from Read more

  • What to Bring to Your Mortgage Appointment

    What to Bring to Your Mortgage Appointment

    Essential Checklist: Documents You Need for a Hassle-Free Mortgage Appointment Preparing for your mortgage appointment is crucial for a smoother and more efficient application process.  Bringing or sending over the correct documents can significantly speed up the approval of your mortgage or remortgage.  At Kerr & Watson, we aim to make this process as seamless Read more

  • Case Study: Home Mover Mortgage in Farnborough with Adverse Credit

    Case Study: Home Mover Mortgage in Farnborough with Adverse Credit

    The Scenario A single applicant sought to purchase a new home in Farnborough following a separation from their ex-partner. The client’s previous property was sold to the ex-partner, who also took over the mortgage. This provided the client with a deposit of £150,000, enabling them to purchase a property valued at £290,000. The client required Read more

  • The Mortgage Process: What Lenders Look For and What Underwriters Do

    The Mortgage Process: What Lenders Look For and What Underwriters Do

    Key Insights and Tips to Boost Your Mortgage Approval Chances 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 Read more

  • Longest Term Mortgage in the UK

    Longest Term Mortgage in the UK

    Longest Term Mortgage in the UK: Benefits and Drawbacks When considering a mortgage, one of the decisions you’ll face is the length of the mortgage term. The mortgage term refers to the duration over which you’ll repay your loan, influencing your monthly payments, total interest paid, and financial planning. As lenders continue to evolve their Read more

  • No-Deposit Mortgage

    No-Deposit Mortgage

    Getting on the Property Ladder Without a Deposit Struggling to save a deposit for your first home? A no-deposit mortgage might be your solution. At Kerr & Watson, we understand the challenges of saving for a deposit while paying rent and managing other expenses. This guide will explain how no-deposit mortgages work, their advantages and Read more

  • Can Stamp Duty Be Added to a Mortgage?

    Can Stamp Duty Be Added to a Mortgage?

    Introduction When purchasing property, you can encounter various costs. Among these costs, Stamp Duty is a significant expense, often prompting the question: Can stamp duty be added to a mortgage? Understanding Stamp Duty Stamp duty, or Stamp Duty Land Tax (SDLT), is levied upon purchasing a property or land. The rate is based upon the Read more

  • Move your existing mortgage to a new property

    Move your existing mortgage to a new property

    Moving Home? Here’s How to Take Your Mortgage With You If you’re planning to move home and already have a mortgage in place, you might be wondering whether you can take your current deal with you. Porting a mortgage allows you to transfer your existing mortgage product to a new property. This means you can Read more

  • When Will Your Mortgage Be Pre-Approved?

    When Will Your Mortgage Be Pre-Approved?

    When Will Your Mortgage Be Pre-Approved? Key Steps and Timelines Obtaining a pre-approved mortgage is a crucial step in the home-buying process. It provides you with an understanding of how much you can borrow and reassures sellers of your financial capability. At Kerr & Watson, we specialise in guiding you through the mortgage process, ensuring Read more

  • Case Study: House Move and Remortgage in Farnborough

    Case Study: House Move and Remortgage in Farnborough

    Helping our customer keep their existing mortgage and move house in Farnborough Our recent experience with a couple based in Farnborough stands as a testament to our commitment to finding personalised mortgage solutions. This case study shows the complexities they faced and the strategic approach we adopted to transform their aspiration of owning a dream Read more

  • How Long Does Mortgage Application Approval Take?

    How Long Does Mortgage Application Approval Take?

    Mortgage Application Approval: What to Expect and How to Speed Up the Process Applying for a mortgage is a significant step in your home-buying journey, and one of the most common concerns is how long it takes to get a mortgage application approved. The timeline can vary depending on several factors, including the complexity of Read more