Basingstoke Mortgage Broker

Mortgage Advice In Basingstoke

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

Residential Mortgages

Buy to Let Mortgages

Bridging and Commercial Finance Solutions

Later Life Lending

Later Life Lending / Equity Release

Insurance Advice for Basingstoke Residents

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

Our Insurance Services In Basingstoke

About Basingstoke

Basingstoke is a thriving town situated in northeast Hampshire, recognised for its rich mix of modern city amenities and access to tranquil countryside. It’s an ideal destination for those who appreciate a bustling town centre with shopping and entertainment options, as well as for families looking for a friendly community atmosphere.

Places To Explore In And Around Basingstoke

Basingstoke is not just about urban living; it’s also a gateway to some of Hampshire’s most beautiful natural landscapes. The Milestones Museum offers a journey through Hampshire’s past, with recreated historic streets and vintage vehicles. For outdoor pursuits, Eastrop Park provides a city oasis with a boating lake and tree trails, while the Basingstoke Canal offers scenic walks and wildlife spotting.

The Anvil, a well-known concert and theatre venue, brings national and international performances to the heart of Hampshire, catering to a wide range of cultural tastes.

Villages in Basingstoke

Old Basing, situated just to the east of Basingstoke, is notable for its well-preserved ruins of Basing House, which was a major site during the English Civil War. The village is a conservation area and boasts many listed buildings, including St. Mary’s Church, which dates back to the 13th century.

Oakley is a vibrant village to the west of Basingstoke with a strong sense of community. It offers residents and visitors a selection of local amenities, a primary school, and various local businesses. The village is also known for its lovely walking paths and the nearby Oakley Hall, an elegant country house.

Overton is a scenic village located to the west of Basingstoke on the River Test, one of England’s finest chalk streams. Overton is home to the famous Bombay Sapphire gin distillery, housed in the historic Laverstoke Mill, which is a popular tourist attraction.

Sherborne St. John is a small village north of Basingstoke, known for The Vyne, a 16th-century country house operated by the National Trust. The village has retained much of its rural charm with thatched cottages and traditional English countryside.

Dummer is a quaint village south of Basingstoke, home to Dummer Golf Club and offers a peaceful rural atmosphere. It has an attractive 12th-century church and a community centre that hosts various events and activities.

North Waltham is a small, idyllic village known for its pond, village green, and the 12th-century St. Michael’s Church. It’s a quintessential English village with a strong community feel, reflected in the many events held throughout the year.

Cliddesden is a small village to the south of Basingstoke, surrounded by rolling hills and fields. It has a primary school, a village hall, and an annual village fete, which is a highlight of the community calendar.

Lychpit is a more modern residential area on the outskirts of Basingstoke but retains a village-like feel. It has local amenities and provides easy access to the town centre and the open countryside.

Commuting To And From Basingstoke

Basingstoke’s strategic location ensures excellent transportation links. The Basingstoke railway station has fast services to London Waterloo, and the M3 motorway provides a direct route to London and Southampton. Additionally, the town is well-served by local buses, making commuting within the town and to nearby areas both convenient and efficient.

Education In Basingstoke

Education in Basingstoke is top-notch, with numerous schools rated ‘Good’ and ‘Outstanding’ by Ofsted. Notable institutions include Queen Mary’s College for post-16 education, which offers a wide range of A-level and vocational courses, and the Costello School, known for its strong emphasis on student development and achievement.

Buying a Basingstoke Property?

Planning your move to Basingstoke is easy with the right information. Below are links to the latest property data for Basingstoke and listings for homes for sale, courtesy of Rightmove

Properties For Sale in Basingstoke

House Prices in Basingstoke

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.