Category: Residential Mortgages
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What is The Minimum Mortgage Amount
Minimum Mortgage Amount: Understanding Small Mortgages and Your Options When it comes to purchasing a property, a question that we have seen is: “What is the minimum mortgage amount I can borrow?” While many are familiar with the process of securing large loans, smaller mortgages can often be overlooked. Whether you’re looking to buy a… Read more
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How Soon Can You Remortgage?
What you need to know about Remortgaging Remortgaging can be a strategic financial move, whether you’re looking to secure a better interest rate, release equity, or consolidate debt. But how soon can you remortgage? This blog will guide you through the remortgaging process, key considerations, and tips for timing it right. With Kerr & Watson,… Read more
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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
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Mortgages for Influencers
Mortgages for Influencers – Tailored Mortgage Solutions for Self-Employed Creators As an influencer, your work life may be far from traditional, but that doesn’t mean your homeownership goals 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 favour steady,… Read more
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Adverse Credit Mortgage Advisor
Navigating the complexities of acquiring a mortgage with a challenging credit history can be a difficult task. For many, understanding the impact of credit scores on mortgage rates and finding suitable lenders is a significant hurdle. This is where an Adverse Credit Mortgage Advisor steps in – offering guidance and clarity in the intricate world… Read more
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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
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Saying Yes When The Computer Says No
Featured In The Intermediary We’re delighted to announce our feature, “Saying Yes When The Computer Says No,” has been featured in the latest edition of The Intermediary Magazine. in the latest edition of The Intermediary Magazine. In this insightful piece, Stephen Kerr delves into the world of credit scoring for lenders, highlighting areas where the… Read more
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Does Using an Overdraft Affect Credit Score?
Does using an overdraft affect your credit score? Yes — using an overdraft can affect your credit score and mortgage application, depending on how it is managed. Lenders usually look at how often you use your overdraft, whether you stay within agreed limits, and whether it suggests financial pressure. Used responsibly, an overdraft is not… Read more
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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. Whether you’re adding a partner, family member, or friend, this process involves legal and financial considerations. At Kerr & Watson, we specialise in providing tailored mortgage and… Read more
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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 mortgage solutions… Read more
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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
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Can I Remortgage My House to Buy Another Property?
Can I Use a Remortgage to Purchase Another Property? Have you been considering the prospect of owning another property? Whether it’s for investment purposes, a holiday retreat, or supporting a family member, remortgaging your current home can be an effective strategy to finance your next property purchase. At Kerr & Watson, we specialise in providing… Read more
