Sandhurst Mortgage Broker

Mortgage Advice In Sandhurst

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

Residential Mortgages

Buy to Let Mortgages

Bridging and Commercial Finance Solutions

Later Life Lending

Later Life Lending / Equity Release

Insurance Advice for Sandhurst Residents

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

Our Insurance Services In Sandhurst

About Sandhurst

Sandhurst, known primarily for the prestigious Royal Military Academy, is a small town in Berkshire that exudes a sense of pride and tradition. Offering a mix of suburban peace and military precision, Sandhurst is a community that values security, tranquility, and a friendly neighborhood atmosphere.

Places To Explore In And Around Sandhurst

For those interested in military history, the Royal Military Academy is not just a training ground but also a landmark of national significance. Nearby, the Sandhurst Memorial Park provides a serene environment for reflection and leisure, with a children’s playground, sports facilities, and open spaces perfect for picnics and community events.

The local Shepherd Meadows and Sandhurst to Owlsmoor Bogs and Heaths are excellent natural reserves for wildlife spotting, walking, and enjoying the great outdoors. These areas offer a beautiful escape into nature, showcasing the best of Berkshire’s countryside.

Villages In Or Near Sandhurst

Little Sandhurst is a quiet residential area adjacent to Sandhurst that provides a serene village atmosphere. With local shops and schools, it offers a community feel amidst modern conveniences.

Owlsmoor is another neighbouring area to Sandhurst, largely residential and built around the local heathland. It has a distinct community spirit and provides access to several local parks and nature reserves.

College Town is a suburb of Sandhurst, located near the military academy. It’s a lively community with schools and a small selection of shops serving the local area.

Yateley is a larger village to the east of Sandhurst. It is known for its scenic lakes, green spaces, and community events. Yateley offers a range of local amenities while maintaining a peaceful village environment.

Eversley to the south is a classic village, with a cricket green, historic church, and country pubs. It maintains a strong sense of its past with a close-knit community that values its rural setting.

Finchampstead is to the north of Sandhurst and is made up of several small settlements. It offers a beautiful rural environment with areas like the Finchampstead Ridges providing dramatic views and walks in the Berkshire countryside.

Commuting To And From Sandhurst

Sandhurst benefits from good transport links, with the Sandhurst railway station offering routes to Guildford and Reading, and easy connections to London. By road, the M3 and A30 provide convenient access to the wider region.

Education In Sandhurst

Education in Sandhurst is well-regarded, with institutions such as Sandhurst School offering comprehensive secondary education. For primary education, Uplands Primary School and College Town Junior School are among the notable options, both committed to fostering a supportive and enriching learning environment.

Buying a Sandhurst Property?

For more insights into Sandhurst living and to keep up-to-date with the local property market, below are links to the latest house prices and properties for sale in Sandhurst, courtesy of Rightmove.

Properties For Sale in Sandhurst

House Prices in Sandhurst

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.