Reading Mortgage Broker

Mortgage Advice In Reading

If you’re looking for a mortgage in Reading, 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.

Talk To Us

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 Reading 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 Reading

Residential Mortgages

Buy to Let Mortgages

Bridging and Commercial Finance Solutions

Later Life Lending

Later Life Lending / Equity Release

Insurance Advice for Reading Residents

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

Our Insurance Services In Reading

About Reading

Reading is a dynamic urban hub in Berkshire, celebrated for its rich history, bustling town center, and status as a major commercial and retail center. As one of the largest towns in the UK without city status, Reading offers an energetic lifestyle with the convenience of urban living, alongside the charm of riverside life on the Thames.

Places To Explore In And Around Reading

Reading’s vibrant community is reflected in its array of shopping destinations, like The Oracle shopping center, alongside historic sites such as Reading Abbey, a medieval ruin with royal connections. For outdoor pursuits, the Thames Path National Trail provides scenic walks along the river, and the nearby Forbury Gardens is a delightful Victorian public garden.

The town is also a cultural hotspot, with the annual Reading Festival drawing music fans from all over the country. For quieter enjoyment, the Museum of English Rural Life offers fascinating insights into the local countryside’s past.

Villages in Reading

Sonning is a picturesque village to the east of Reading, nestled along the River Thames. Famous for the Sonning Bridge and its beautiful riverside setting, it boasts charming architecture and the historic Bull Inn, which has served travelers since the 16th century.

Pangbourne is another Thames-side village with a quaint village centre, independent shops, and riverside walks. The area is associated with the author Kenneth Grahame, and the charming scenery is believed to have inspired parts of his classic, “The Wind in the Willows.”

Goring & Streatley, situated to the northwest of Reading on opposite sides of the Thames, are actually two separate villages in two different counties, linked by a bridge. They are set in an Area of Outstanding Natural Beauty and are popular for hill walking, boating, and leisurely village strolls.

Tilehurst is a suburb to the west of Reading but retains some elements of its village origins, particularly in areas like The Triangle, with local shops and a more laid-back atmosphere.

Caversham, just north of the River Thames from Reading’s town centre, has developed into a suburb of Reading but still maintains a village feel in parts, with community events, local shops, and parkland.

Shinfield is a village to the south of Reading, known for its rural charm and the University of Reading’s agricultural campus. It offers a blend of traditional village life with access to the amenities of a larger town.

Twyford is a thriving village to the northeast of Reading, with a busy high street, a range of local businesses, and a strong community spirit. It’s well-connected by train, making it a popular choice for commuters.

Theale is a village to the west of Reading with a mix of modern and historic buildings, local shops, and businesses. Theale Lake provides a local nature reserve for bird watching and leisure activities.

Bradfield is a small village to the west, known for its college and traditional English countryside, including woods, farmland, and the picturesque River Pang.

Aldermaston is a historic village to the southwest, renowned for its annual cart race and the Aldermaston Manor. It’s a quiet village steeped in history with a number of listed buildings.

Commuting To And From Reading

Reading’s excellent transport links are a major draw. Reading railway station is a major hub, with fast services to London Paddington taking as little as 30 minutes. The town is also well-connected by road, with the M4 motorway providing direct access to London, Heathrow Airport, and the West Country.

Education In Reading

Reading is home to a number of outstanding educational institutions, including the University of Reading, recognised for its research and teaching excellence. The town also boasts several highly rated primary and secondary schools, such as Kendrick School and Reading School, both known for their academic achievements.

Buying a Reading Property?

For further information on the Reading property market, please find links below to the most recent house prices and properties for sale in Reading, as listed on Rightmove.

Properties For Sale in Reading

House Prices in Reading

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.

Talk To Us

Featured In

Testimonials

Awards

Contact Us

Get A Free Consultation – Find out your options by speaking to a mortgage or insurance broker today.

By clicking on ‘Submit’, you consent to your contact details being stored by us and agree with our Privacy Policy.

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.