Mortgage Advice in Berkshire

At Kerr & Watson, we provide whole-of-market mortgage and protection advice to first-time buyers, home movers and existing homeowners. We also assist landlords looking to purchase additional rental properties or refinance their portfolios.

Our advisers help customers across Reading, Windsor, Maidenhead, Bracknell, Ascot and other parts of Berkshire. We’ll take the time to understand your circumstances, assess your borrowing options and recommend a suitable mortgage, providing clear advice and support throughout the process.

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Who Are Kerr & Watson?

Kerr & Watson are an independent, whole-of-market mortgage and protection brokerage, directly authorised and regulated by the Financial Conduct Authority (FCA). Based in Farnborough, we provide expert mortgage advice to customers across Hampshire, Surrey, Berkshire and the surrounding areas.

Our experienced, CeMAP-qualified advisers help first-time buyers, home movers, landlords and customers with more complex borrowing requirements. As an award-winning brokerage with excellent customer reviews, we pride ourselves on providing clear advice and ongoing support.

What this means for our customers:

Personalised mortgage advice tailored to your circumstances.
Clear explanations of mortgage options, costs and lender requirements.
Help with applications, paperwork and communication with lenders and solicitors.
Regular updates throughout the mortgage process, with ongoing mortgage and protection support.

Mortgage & Protection Services

We can help with a wide range of mortgage and protection needs, including:

Residential mortgages – First-time buyers, moving home, remortgages and complex borrowing.
Buy-to-let mortgages – Individual landlords, limited companies, portfolios and HMOs.
Bridging and commercial finance – Bridging loans, commercial mortgages and development finance.
Later-life lending – Retirement interest-only mortgages and equity release.
Protection advice – Life insurance, critical illness cover, income protection and business protection.

Buying a Property in Berkshire?

Stay updated with house prices and properties in Berkshire thanks to Rightmove:

Properties For Sale in Berkshire

House Prices in Berkshire

Berkshire continues to be a popular location for homebuyers, homeowners and property investors, offering a diverse housing market and excellent connectivity across the South East. Over the last year, house prices in Berkshire averaged approximately £485,728.

Terraced properties were the most commonly sold homes, achieving an average sale price of around £394,909. Semi-detached properties sold for an average of £493,054, while detached homes achieved significantly higher values, with an average sale price of approximately £770,209.

Why Homebuyers Choose Berkshire

Berkshire, honoured with the prestigious “Royal County” status owing to the majestic Windsor Castle in Windsor, is a gem located along the southern banks of the River Thames. As one of the coveted home counties of England, it serves as an epitome of historical significance, cultural richness, and natural beauty.

The presence of Windsor Castle in Berkshire has long contributed to its royal association. This illustrious connection was formally recognized by Queen Elizabeth II in 1958, further cementing Berkshire’s esteemed place on the English map.

Why Residents Love Living in Berkshire

Stretching across 722 square miles, Berkshire graces the River Thames for a stunning 103 miles, from Buscot to Old Windsor. This expansive riverside is adorned with picturesque towns and villages, each offering a unique charm.

Popular Areas to Buy Property in Berkshire

The county can be divided into two distinctive zones. The first zone – The eastern part of Berkshire is blessed with important Thames tributaries like the Loddon and Blackwater, resulting in vast riverine landscapes. This section is also characterized by significant woodland areas, particularly around Bracknell and the Windsor Great Park.

The second zone – The western part of the county showcases the lush valleys of the Berkshire Downs, extending their geological grandeur from the Chiltern Hills. The Vale of White Horse, lying between the Thames and the Berkshire Downs, boasts of the iconic Uffington White Horse.

Furthermore, the River Kennet valley, merging with the Thames in Reading, is another geographic marvel of Berkshire. The highest point of Berkshire, Walbury Hill, stands tall at 974 feet, marking the zenith of south-east England.

Commuting

The Thames forms a beautiful northern boundary for Berkshire. With the River Lambourn, River Pang, and other tributaries flowing gracefully through the county, Berkshire enjoys nature’s bounties to the fullest. Its strategic position offers easy accessibility to six other counties, including Hampshire, Surrey, Wiltshire, Oxfordshire, Buckinghamshire, and even a five-mile boundary with Gloucestershire.

The county town has historically been associated with Abingdon. However, since the summer assizes moved to Reading in 1867, many consider Reading to hold this honor.

Education

Berkshire’s educational framework stands on its rich history and commitment to academic excellence. From ancient parish schools to modern institutions, Berkshire promises a holistic educational experience for its residents.

Looking for Mortgage Advice in Berkshire?

Kerr & Watson helps customers across Berkshire with a wide range of mortgage needs, including buying a first home, moving house, remortgaging and financing buy-to-let properties. We can also assist with more complex borrowing arrangements where specialist lenders may be required.

Have a property purchase or mortgage decision coming up? Get in touch with our team to discuss your options and receive independent mortgage advice based on your financial circumstances and future plans.

Written by Daniel Watson, CeMAP, DipMAP

Published: 30 October 2023

Last updated: 28 October 2026

Your Mortgage In 3 Easy Steps…

Conversation

Send us an enquiry to arrange a call to speak to a mortgage adviser about your circumstances, borrowing requirements and property plans.

Alternatively give us a call on 01252 224620 or email us on info@kerrandwatson.co.uk.

Research

We will use the information you’ve provided to research suitable mortgage options across the market and explain our recommendation to you.

If you need an Agreement in Principle, we can also arrange this as part of the process.

Application

Once you’re ready to proceed, we will submit the full mortgage application and supporting documents to the lender.

We will liaise with the lender and its underwriters, respond to any additional requirements and keep you updated until the mortgage offer is issued and through to completion.