Local Areas

Discover Nearby Towns and Villages for Your Next Move.

Explore ‘Local Areas’: Whether you’re on the hunt for a property in an unfamiliar location or making a move within your local area, our information on nearby towns and villages can be a valuable resource to aid your decision-making process.

Hampshire

Surrey

Berkshire

Why Kerr & Watson?

Understanding

We take the time to understand your situation so that we can search for the perfect mortgage and insurance for you. Any recommendation made is completely bespoke to your circumstances.

Experience

Mortgage and insurance advice is our speciality. We have decades of combined experience giving us the knowledge to overcome challenges and find the perfect solution for your needs.

Communication

We work around your schedule to arrange a mortgage or insurance policy that suits your needs. You’ll be kept updated throughout the entire process with clear communication so you’ll always know what’s going on.

Talk To Us

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Testimonials

    
 
 
        
   Gareth Broughton 
 29 April 2024
 
 
  Excellent highly recommended service. They spent time understanding my needs, and handled all enquiries through the application process. When we had issues with the mortgage (through no fault of Kerr & Watson) Daniel & Chloe worked hard to resolve this, and was always on top of everything, constantly chasing solicitors and the mortgage provider. I cannot recommend them enough!
  
 
       
   Ashleigh Beney 
 19 April 2024
 
 
  Friendly advice to review life insurance. Great service and would recommend
  
 
       
   Emma Fox 
 19 April 2024
 
 
  As a first time buyer, mortgages are definitely a learning curve, Daniel has been super efficient and he secured an agreement in principle within 2 days. I would most definitely recommend this company and I have great confidence that I will be able to complete the whole process with Daniel's help.
  
 
       
   Matt & Belinda Gidman-Rowse 
 17 April 2024
 
 
  Daniel has been super helpful, informative, and patient since day one!
  
 
       
   Steve Mc 
 16 April 2024
 
 
  Struggling to find a  mortgage lender from a couple of brokers,  an internet search drew a phone call from Stephen Kerr of Kerr & Watson. Stephen was very empathetic and understanding of our situation and obtained the Agreement in Principle.
He and the team during our house bidding process kept us informed and aware. Their communication was excellent and  they were very supportive.
Unfortunately we didn’t make the best offer and so in  the end didn’t require that mortgage. But the ability to make the offer with the mortgage Stephen had obtained behind us gave us so much more confidence to be in the process.
I can’t recommend Kerr and Watson highly enough up to the application point, and I’m sure based upon that, anything beyond that point would also have been fully supported by them.
We have no hesitation in recommending them and would certainly use them for our next house purchase.
  
 
       
   Georgia Lock 
 6 April 2024
 
 
  Fantastic help from this team, Stephen and Chloe were really excellent
  
 
       
   jason mensa 
 21 March 2024
 
 
  Stephen and the team were wonderful to work with. Couldn’t recommend them enough! Thanks for all your hard work
  
 
       
   Paul Edwards 
 14 March 2024
 
 
  Excellent Broker, who helped me to get a mortgage despite my unusual circumstances.

In short, I needed to be sure that my lender would be ok with adult placement care (for vulnerable adults) and potentially also foster care (for children) taking place in the property I purchase (whereby these people live with you and you are paid for looking after them by the local authority). This broker went out of their way to find a lender who would be happy with my property being used in this manner. Without their help, I’m not sure what I’d have done regarding a future mortgage.

I would definitely highly recommend Kerr and Watson to all. They always get back to you in good timing about everything, and they pay attention to every important detail when working out what the best lender and mortgage deal is for you.
  
 
       
   Richard Elwell 
 11 March 2024
 
 
  Stephen has been really helpful over many years assisting with remortgaging both residential and buy to let properties for me. He is always helpful and professional and works hard to identify the best deal available.
I really appreciate his help and advice and would highly recommend him to anyone looking for mortgage advice, totally trustworthy.
  
 
       
   George Hillman 
 4 March 2024
 
 
  Dealing with Stephen and the team has been seamless when remortgaging my house. Very responsive to all my questions with great advice!

Stay Ahead with The Kerr & Watson Mortgage App

Manage your mortgage with our free app, designed to help you stay ahead of interest rates, find the best deals, and make informed financial decisions effortlessly.

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Frequently Asked Questions

What does a mortgage advisor do?

A mortgage advisor evaluates your income, outgoings, credit history, and other financial commitments. They also assess property-related details, whether you’re buying or refinancing, ensuring you understand the best mortgage options for your situation. They also process the mortgage application to the lender, working with them to obtain a mortgage offer, then work with the conveyancer towards the completion of your purchase or remortgage.

How does a mortgage advisor enhance the likelihood of mortgage approval?

A mortgage advisor increases your chances of mortgage approval by matching you with the most appropriate lenders, optimising your application, and navigating complex lending criteria to find the best value deal for your circumstances.

What are the financial benefits of working with a mortgage advisor?

Working with a mortgage advisor can save you from costly mistakes such as choosing the wrong mortgage type or failing to meet a lender’s criteria. Their expertise often leads to securing more favourable mortgage terms and rates.

Can a mortgage broker get you a better rate?

Often, a mortgage broker can find more cost-effective deals for you, even when their fees are considered, they can review the whole market and access exclusive broker only products that may not be available directly to the public.

What steps should you take before speaking to a mortgage advisor?

Before speaking with a mortgage advisor, gather all relevant financial documents, including payslips, bank statements, and details of your credit history to ensure an accurate assessment of your situation.

What range of financial history do mortgage advisors examine?

Mortgage advisors and lenders typically assess the last six years of your credit history to gauge your financial behaviour, this includes any missed payments or defaults.

How long does it take a mortgage advisor to get a mortgage offer?

The process from application to approval of a mortgage can vary, normally this is anywhere from two to six weeks depending on the mortgage lender and the complexity of your situation.

Do mortgage advisors have access to exclusive mortgage rates?

Yes, mortgage advisors often have whole-of-market access, which allows them to secure competitive rates, sometimes not directly available to consumers.

What documents do mortgage advisors typically require?

Advisors typically need proof of identity, proof of address, 3 months payslips, tax calculations or accounts, bank statements, and potentially credit report to fully assess your financial situation.

What are the advantages of using a mortgage broker rather than going direct to your bank?

A mortgage broker can provide whole of market advice by comparing offers from multiple lenders, potentially securing better rates and terms than a single bank’s offerings.

Who are the Financial Conduct Authority?

The Financial Conduct Authority (FCA) regulates mortgage brokers and lenders to ensure they adhere to ethical and professional standards.

How do you know if your mortgage advisor is qualified?

A qualified mortgage advisor should have a Certificate in Mortgage Advice and Practice (CeMAP) or equivalent, which is recognised by the Financial Conduct Authority (FCA). They should also be listed on the Financial Services Register, ensuring they are authorised to give mortgage advice.

How can you get a free credit report?

Lenders look closely at your credit score to decide how risky it is to lend to you. A good credit score can not only boost your chances of getting approved for a mortgage but might also get you better interest rates.

CheckMyFile offer a 30-day free trial you can cancel at anytime.

CheckMyFile is a UK credit reporting service that collates information from the most popular credit referencing agencies, Equifax, Experian & TransUnion.