Aldershot Mortgage Broker

Mortgage Advice In Aldershot

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

Residential Mortgages

Buy to Let Mortgages

Bridging and Commercial Finance Solutions

Later Life Lending

Later Life Lending / Equity Release

Insurance Advice for Aldershot Residents

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

Our Insurance Services In Aldershot

About Aldershot

Aldershot, often recognized as the “Home of the British Army,” nestled in the heart of Hampshire. It’s a place steeped in military history and cultural diversity, offering residents and visitors a unique blend of historical landmarks and contemporary living.

Places To Explore In And Around Aldershot

A visit to Aldershot Military Museum is essential for anyone interested in the town’s storied military past. The museum delves into local military history and the daily lives of soldiers stationed here. For those seeking outdoor activities, the Aldershot Park provides a serene environment for leisurely walks, sports, and family picnics.

Nearby, the picturesque Basingstoke Canal is perfect for boating, fishing, and waterside walks. The Wellington Statue, a local landmark commemorating the Duke of Wellington, stands tall, offering a slice of historical significance.

Villages in Aldershot

Tongham is a small village to the east of Aldershot, with a traditional village feel. It features local amenities such as pubs, a church, and a community hall. It’s also home to the Hogs Back Brewery, which draws on the region’s hop-growing heritage.

Ash and Ash Vale, located to the northeast of Aldershot, offer residential communities with a mix of modern and period housing. Ash Vale has the advantage of a train station, which provides good connections for commuters. The Basingstoke Canal runs through both villages, offering picturesque walks and recreational activities.

Badshot Lea, to the west of Aldershot, is a small village that has managed to retain its rural charm despite being close to larger towns. It is known for its large garden centre, which attracts visitors from the surrounding areas.

Normandy is a quaint village to the east, nestled amongst woods and fields. It has retained a strong sense of community with local events and activities centered around the village hall.

Mytchett, to the north of Aldershot, is a small village located near the Mytchett Lake and the Frimley Aqueduct, which are popular for fishing and walking. The village has a mix of residential properties and is valued for its close-knit community.

Commuting To And From Aldershot

Residents of Aldershot enjoy excellent transport links, including the Aldershot Railway Station, which offers direct services to London Waterloo, Guildford, and Ascot. The town also benefits from its proximity to the A331, which connects to the M3, easing travel to London, Southampton, and the South East.

Education In Aldershot

Families in Aldershot have access to a variety of educational options. Notable schools include the highly regarded Wellington Community Primary School and Talavera Junior School. For further education, nearby Farnborough has the Farnborough College of Technology which is just a short journey away, providing a range of courses and apprenticeships.

Buying an Aldershot Property?

Find your next home in Aldershot with ease. Below are links to the most recent house prices in Aldershot and a selection of properties for sale, courtesy of Rightmove.

Properties For Sale in Aldershot

House Prices in Aldershot

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.