Short Lease Mortgages

Short Lease Mortgages: What You Need to Know Before Buying Purchasing a property with a short lease can be an appealing option due to the typically lower purchase price, but it comes with its own set of challenges, particularly when it comes to securing a mortgage. At Kerr & Watson, we specialise in guiding our… Read more
Mortgages for Celebrities

Mortgages for Celebrities: Specialist Advice for High-Profile Individuals If you’re in the public eye, your lifestyle might seem glamorous from the outside, but when it comes to finances, especially securing a mortgage, things can get unexpectedly complex. Whether you’re a musician, actor, athlete, influencer or media personality, your income is often high but unpredictable. That’s… Read more
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
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
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
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
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
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
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
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
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
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

Category: Residential Mortgages