Bracknell Mortgage Broker

Mortgage Advice In Bracknell

If you’re looking for a mortgage in Bracknell, 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 Bracknell 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 Bracknell

Residential Mortgages

Buy to Let Mortgages

Bridging and Commercial Finance Solutions

Later Life Lending

Later Life Lending / Equity Release

Insurance Advice for Bracknell Residents

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

Our Insurance Services In Bracknell

About Bracknell

Bracknell is a dynamic town located in Berkshire. It is known for its modern amenities, strong economy, and the balance it strikes between urban convenience and natural beauty. Bracknell’s transformation from a New Town to a modern and thriving community reflects its commitment to innovation, economic growth, and quality of life. It is a town that combines the convenience of urban living with the beauty of its natural surroundings, making it an attractive place to live, work, and explore in Berkshire.

Exploring Bracknell and Its Surroundings

Bracknell boasts a range of attractions, including South Hill Park Arts Centre, which hosts various cultural events, exhibitions, and performances. Nature enthusiasts will appreciate the lush surroundings, with Bracknell Forest and Swinley Forest providing ample opportunities for outdoor activities like hiking and cycling.

Villages in Bracknell

Binfield is located to the west of Bracknell. It retains a sense of its historical past with thatched-roof cottages and old churches, despite being close to the amenities of the town. The village has a strong community feel, with local shops, schools, and pubs that host various social events.

Warfield is another village close to Bracknell, known for its listed buildings and Warfield Church, which dates back to the 11th century. The village is spread out amongst several hamlets, including Jealott’s Hill and West End, and is characterized by its tranquil green spaces and community-oriented atmosphere.

Winkfield, to the south of Bracknell, is a largely rural parish with a number of smaller hamlets like Winkfield Row and Maidens Green. The area is popular among horse enthusiasts due to its proximity to Ascot and Ascot Racecourse and its own polo club. The village offers a variety of country pubs and restaurants as well as lovely walks in the surrounding countryside.

Crowthorne is famous for the Wellington College, a prestigious independent school. The village has a friendly local community, with a high street that hosts a selection of shops and cafes. The nearby Crowthorne Woods and Wildmoor Heath provide residents with ample natural beauty and outdoor activities.

Easthampstead is a suburb of Bracknell but has a history that predates the modern town. The Easthampstead Park Conference Centre, set in a Victorian mansion amidst parkland, is a notable feature of the area.

Chavey Down is a small community within the civil parish of Winkfield. Known for its peaceful setting, it offers residents a quiet and rural lifestyle with the convenience of being close to Bracknell’s facilities.

Commuting To and From Bracknell

Selecting Bracknell as your home base ensures excellent commuting options. The town has its own railway station, Bracknell Railway Station, with regular train services to London Waterloo, making it an ideal choice for commuters. For those who prefer driving, convenient access to major roadways like the M3 and M4 guarantees smooth travels to neighbouring towns and cities.

Education in Bracknell

Bracknell is home to a variety of educational institutions, including well-regarded primary and secondary schools. Families can also explore nearby educational options to ensure their children receive a high-quality education.

Buying a Bracknell Property?

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

Properties For Sale in Bracknell

House Prices in Bracknell

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.