Case Study: Product Transfer for Rate Renewal

Introduction We helped our customer arrange a mortgage product transfer in Hook, Hampshire, where their existing NatWest mortgage was split into two parts with different fixed-rate expiry dates. Our customer wanted to secure a new five-year fixed rate on the part approaching renewal, while avoiding early repayment charges on the second part. They were also… Read more
Case Study: Remortgage Solution for Long-Term Stability

Introduction We recently helped our customers arrange a mortgage for a property purchase in Farnborough, Hampshire, while retaining their existing fixed-rate mortgage deals with Barclays. Our customers were moving to a more expensive property and needed additional borrowing alongside their existing mortgage. However, they also owned several buy-to-let properties, which complicated the lender’s affordability assessment.… Read more
Case Study: Buy-to-Let Product Transfer in Farnborough

Introduction We helped our customers arrange three buy-to-let mortgage product transfers in Farnborough, Hampshire, as their existing fixed-rate deals approached expiry. Our customers wanted to secure new five-year fixed rates across their investment properties without incurring unnecessary costs or moving onto their lender’s Standard Variable Rate (SVR). After comparing remortgage options across the market with… Read more
Case Study: Buy-to-Let Product Transfer with Lease Constraints

Introduction We recently helped our customer arrange a buy-to-let product transfer on a leasehold flat in London, where the remaining lease length was restricting their remortgage options. With around 70 years remaining on the lease, moving to a new mortgage lender presented difficulties. Our customer’s existing fixed rate was also approaching expiry, and they wanted… Read more
Case Study: Residential Product Transfer in Fleet

Introduction We helped two homeowners in Fleet, Hampshire, secure a new fixed-rate mortgage with Barclays as their existing deal was approaching its expiry date. Our customers wanted to ensure they were getting good value from their next mortgage deal. Although they were happy to remain with Barclays, they wanted us to compare the cost of… Read more
Case Study: Product Transfer For Homeowners in Church Crookham

Introduction We recently helped our customers in Church Crookham, Hampshire, arrange a mortgage product transfer with HSBC before their existing fixed-rate deal expired. Our customers were considering moving home within the next two years. They wanted to secure a new mortgage rate without committing to a longer fixed-rate period that could result in early repayment… Read more
Case Study: Portfolio Remortgage in Surbiton with an LLP

Introduction We recently helped an experienced property investor remortgage two buy-to-let properties in Surbiton, securing approximately £500,000 of borrowing through their limited company. Our customer owned a substantial property portfolio, with properties held both personally and through a Special Purpose Vehicle (SPV) limited company. They also had a separate Limited Liability Partnership (LLP) arrangement used… Read more
Longest Mortgage Term UK: 40 & 50-Year Mortgages

What Is the Longest Mortgage Term in the UK? Mortgage terms of up to 40 years are available from a number of major UK mortgage lenders, while some mortgage products now allow eligible borrowers to take a term of up to 50 years. A longer mortgage term can reduce your required monthly payment because the… Read more
Case Study: Product Transfer for Knaphill Director

Introduction We helped a company director in Woking, Surrey, arrange a mortgage product transfer with Santander despite not having a full set of company accounts available. Our customer had a mortgage split into two parts, each with different fixed-rate expiry dates. One part was approaching the end of its existing deal, while the larger balance… Read more
Case Study: Product Transfer on Maternity Leave in Farnborough

Introduction We recently helped our customer in Farnborough, Hampshire, arrange a mortgage product transfer with HSBC while on maternity leave. Our customer was approaching the end of their existing fixed-rate mortgage and wanted to secure a new deal that would provide predictable monthly repayments during a period of changing household finances. The main challenge was… Read more
Case Study: Remortgage for New Parents in Camberley

Introduction We recently helped our customers in Camberley, Surrey, secure a new two-year fixed-rate mortgage with NatWest as their existing mortgage deal was approaching its expiry date. One applicant was a self-employed company director, while the other was employed full-time. However, currently on maternity leave. They wanted to ensure their new mortgage was competitively priced… Read more
Mortgage With No Early Repayment Charges

Understanding Mortgages Without Early Repayment Charges 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 Kerr & Watson, we specialise in providing expert mortgage and protection advice tailored to… Read more

Category: Product Transfers