Mortgage for Commission Only Jobs

Mortgage for Commission Only Jobs: A Complete Guide to Borrowing on Commission If you earn your income through commission only, you may have wondered whether getting a mortgage will be harder than it is for someone on a basic salary. You might even have been told that lenders do not like commission only jobs, or… Read more
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
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
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
Can I Get a Mortgage If I Am on Maternity or Paternity Leave?

Can I Get a Mortgage If I Am on Maternity or Paternity Leave? Yes, it is possible to get a mortgage while you are on maternity leave, paternity leave or shared parental leave. Many people assume that taking time away from work to care for a new child automatically makes it harder to get a… Read more
Commercial Mortgage For Medical Practices

Commercial mortgage for medical practices buying or refinancing your surgery If you run a medical practice, your premises play a vital role in your success. Whether you operate a doctor’s surgery, dental clinic, chiropractic practice, physiotherapy centre, or therapy clinic, the right property supports patient care, staff efficiency, and long term growth. At some stage,… Read more
How to Get a Mortgage for a Second Home

Mortgage for a Second Home Explained Deposits Rates and Advice Buying a second property is an exciting step. You may be dreaming of a coastal retreat a countryside escapes a home closer to work or a place for a family member to live. Whatever your reason the idea of securing a mortgage for a second… Read more
Case Study: Mortgage for Home Mover in Farnham 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

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 Bad 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
Mortgage Process Explained: What Lenders and Underwriters Check

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

Category: Home Mover Mortgages