Ascot Mortgage Broker

Mortgage Advice In Ascot

If you’re looking for a mortgage in Ascot, we’re here to help you. With our expertise, reliability and transparent approach to mortgage advice, we’ll support you every step of the way.

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Who are Kerr & Watson?

Kerr & Watson are an independent, whole-of-market mortgage broker, directly authorised and regulated by the FCA. We were founded to provide clear, relationship-led advice, and over the years we’ve grown steadily, helping many clients secure the best mortgage solution.

Our CeMAP-qualified advisers have extensive experience across all areas of lending, including first-time buyers, buy-to-let, remortgages and complex income scenarios. With strong industry relationships, excellent Google reviews and a proven track record, we deliver transparent, high-quality guidance backed by whole-of-market access. Meet the Team

Serving Ascot and the surrounding areas, we combine deep local knowledge with trusted professional partnerships. This local insight, along with our independent status, ensures you receive reliable, informed support throughout every stage of your mortgage journey.

Our Mortgage Services In Ascot

Residential Mortgages

Buy to Let Mortgages

Bridging and Commercial Finance Solutions

Later Life Lending

Later Life Lending / Equity Release

Insurance Advice for Ascot Residents

We extend our expertise to life insurance, critical illness cover, income protection, and business protection, ensuring that Ascot residents and business owners are safeguarded against life’s uncertainties.

Our Insurance Services In Ascot

About Ascot

Ascot is known for its blend of rural charm, upscale living, and its close association with the world of horse racing. It attracts residents who appreciate its scenic beauty, excellent educational opportunities, and convenient access to London and the surrounding areas.

Exploring Ascot and Its Surroundings

Ascot boasts a rich history, with attractions like the iconic Ascot Racecourse and the lush Windsor Great Park in Windsor showcasing its natural beauty. Stroll through Ascot’s town centre, or venture beyond its borders to discover hidden treasures like the enchanting Savill Garden and the scenic Virginia Water Lake.

Villages in Ascot

Sunninghill, adjacent to Ascot, is one such village, known for its sense of community and village atmosphere. It offers a variety of local shops and eateries, and Sunninghill Park, which was once home to a royal residence.

Sunningdale, to the south of Ascot, borders Surrey and is known for its affluence and beautiful countryside. The village boasts some of the most exclusive golf clubs in the country, including Sunningdale Golf Club. The high street has a range of shops and cafes, serving both the local community and visitors.

Cheapside is a small village located very close to the Ascot Racecourse. It maintains a more traditional village feel, with a local primary school and community events that bring residents together.

Winkfield is a village that has retained much of its rural character with its country pubs and farmland. The area is scattered with equestrian facilities, reflecting the horseracing heritage of Ascot.

North Ascot is mostly residential and offers a quieter lifestyle with several parks and green spaces. It benefits from the amenities of Ascot while providing a slower pace of life for its residents.

Chavey Down is a hamlet within Winkfield parish and offers a peaceful rural setting with access to Swinley Forest and the larger Windsor Great Park.

Windlesham, to the west of Ascot, is another village known for its community spirit, with an array of local clubs and societies for residents. The village is also home to the prestigious Windlesham Golf Club.

Commuting To and From Ascot

Opting for Ascot as your residence ensures excellent commuting options to London, with swift train connections to London Waterloo in under an hour. For those who prefer the road, convenient access to major routes like the M3 and M4 guarantees seamless travels to neighbouring towns and cities.

Education in Ascot

Ascot takes great pride in its exceptional schools. Notably, St. George’s School is renowned for its dedication to educational excellence and is complemented by a variety of primary and secondary schools celebrated for their quality of education and holistic development programs.

Buying Ascot Property?

Below, find links to the latest house prices in Ascot and properties for sale in this area, courtesy of Rightmove.

Properties For Sale in Ascot

House Prices in Ascot

Your Mortgage In 3 Easy Steps…

Conversation

Schedule a call to talk to a mortgage advisor about your goals, challenges and vision for your mortgage.

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

Research

We will take the information gained on the call and carry out some research before sending you a bespoke recommendation.

If you would like an agreement in principle, we’ll also arrange this for you.

Application

We will submit the full application to the mortgage lender, sending them the documents and liaising with the underwriters until the mortgage has been fully offered on the new interest rate.

We will also communicate with you at every stage, from application to completion.

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Kerr & Watson | Address: Pembroke House, 8 St Christophers Pl, Farnborough GU14 0NH, UK | Phone: 01252 224620 | Email: info@kerrandwatson.co.uk | Hours: Mon-Fri 9:00–17:30

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 after which a subscription fee applies, which can be cancelled any time.

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