Mortgage Adviser in Basingstoke – Whole-of-Market Advice

Kerr & Watson provides independent, whole-of-market mortgage and protection advice to customers in Basingstoke and across the surrounding Hampshire area.

We advise first-time buyers, home movers, homeowners reviewing their current mortgage and landlords buying or refinancing property. Whether you’re buying in Basingstoke town centre, Chineham, Kempshott, Hatch Warren, Rooksdown, Old Basing or the surrounding area, we can compare suitable lenders and support you from initial affordability and Agreement in Principle through to mortgage application, offer and completion.

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Who are Kerr & Watson?

Kerr & Watson is an independent, whole-of-market mortgage and protection brokerage founded by Stephen Kerr and Daniel Watson. We are based in Farnborough, Hampshire, and are directly authorised and regulated by the Financial Conduct Authority.

Our CeMAP-qualified advisers have experience across residential mortgages, buy-to-let, remortgages and more complex situations involving self-employment, multiple sources of income, adverse credit, foreign nationals and specialist property.

Our business has received more than 200 five-star reviews, and our team has developed strong relationships across the mortgage industry with high-street banks, building societies and specialist lenders. From our Farnborough office, we provide mortgage and protection advice to customers across Hampshire, Surrey and Berkshire.

Our Mortgage Services in Basingstoke

As a whole-of-market mortgage broker, we provide advice across a wide range of residential, investment and specialist lending solutions.

Residential Mortgages

Whether you’re buying your first home, moving house, remortgaging or looking for a more complex lending solution, we can help. Our advisers regularly assist first-time buyers, home movers, self-employed applicants, professionals with complex income streams, foreign nationals and clients requiring larger borrowing amounts.

Buy to Let Mortgages

We work with both new and experienced landlords across Basingstoke, helping arrange buy to let mortgages for single properties, limited company purchases, portfolio landlords, HMOs and multi-unit properties and holiday lets.

Bridging & Commercial Finance

For property purchases that require speed or specialist funding, we can arrange bridging loans, commercial mortgages, development finance and other tailored property finance solutions.

Later Life Lending

For homeowners approaching or already in retirement, we offer advice on retirement interest-only mortgages and equity release solutions designed to support later-life financial planning.

Protection Advice for Basingstoke Residents

A mortgage is often one of the largest financial commitments you’ll make. That’s why we also help individuals, families and business owners protect their finances through carefully selected protection policies.

Our advisers can help arrange:

How We Support Basingstoke Homebuyers and Homeowners

From your initial enquiry through to completion, we support you throughout the mortgage process and keep you informed at each stage.

Our support includes:

Initial affordability assessment
Mortgage research and lender recommendations
Agreement in Principle applications
Full mortgage application submission
Liaising with lenders, estate agents and solicitors
Reviewing mortgage offers
Protection planning and ongoing support

Our aim is to provide clear advice and proactive support throughout the mortgage process.

Why Choose Kerr & Watson?

As an independent, whole-of-market mortgage broker helping customers in Basingstoke, we can compare mortgages across the market rather than being restricted to one lender or a small panel.

We take the time to understand your circumstances before recommending a suitable mortgage and can support straightforward applications as well as more complex situations involving self-employment, multiple income sources, adverse credit, buy-to-let or specialist lending.

Customers choose Kerr & Watson because we offer:

Whole-of-market mortgage access
Directly authorised and FCA-regulated advice
Experienced CeMAP-qualified mortgage advisers
Support from enquiry through to completion
Experience across residential, buy-to-let and specialist lending
Assistance with complex income and credit profiles
More than 200 five-star reviews
Ongoing support for future mortgage and protection needs

Mortgage & Protection Case Studies in Basingstoke

We regularly help customers in Basingstoke with a wide range of mortgage and protection needs. The case studies below show some of the situations we have recently helped with, including moving home, remortgaging, buy-to-let mortgages, complex income, adverse credit and arranging protection for families. These are real examples of the types of cases our mortgage and protection advisers deal with in Basingstoke and the surrounding area.

Mortgage case studies

A Buy to Let Remortgage with Adverse Credit

Buying a property in Basingstoke?

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

According to Rightmove sold-price data checked in September 2026, properties in Basingstoke had an overall average sold price of £372,624 over the previous year.

Terraced properties accounted for the largest proportion of sales, achieving an average price of £315,306. Semi-detached properties sold for an average of £397,943, while detached properties achieved an average of £559,972.

Overall sold prices in Basingstoke were similar to the previous year and broadly in line with the 2023 peak of £371,678.

Why Homebuyers Choose Basingstoke

Basingstoke is one of Hampshire’s larger towns and combines established residential neighbourhoods with a major employment centre, extensive shopping and leisure facilities and access to surrounding countryside.

The town has continued to expand through areas including Chineham, Hatch Warren, Rooksdown and newer developments around the edge of Basingstoke. Major long-term growth is also taking place at Manydown, where a new community is being developed to the west of the existing town.

For people travelling further afield, Basingstoke has direct rail services towards London Waterloo and convenient access to the M3.

Why Residents Love Living in Basingstoke

Basingstoke provides a mixture of parks, cultural attractions and leisure facilities alongside its town-centre amenities.

Eastrop Park is close to the town centre and includes the River Loddon, a boating lake, wildlife areas, children’s play facilities and walking and cycling routes.

War Memorial Park provides further open space close to the town centre, with sports facilities, a play area, tennis courts, skate and pump-track facilities and walking routes.

The Willis Museum and Sainsbury Gallery in Market Place explores the history of Basingstoke and the surrounding borough, while Milestones Museum provides a wider look at Hampshire’s social and industrial history.

The Anvil is one of Basingstoke’s principal performance venues, hosting music, theatre and other live events.

Popular Areas to Buy Property in Basingstoke

Chineham is a large residential area to the north-east of Basingstoke. Much of its modern development took place from the 1970s onwards, and the area includes local shopping facilities alongside nearby employment at Chineham Business Park.

Hatch Warren and Beggarwood are established residential areas on the south-western side of Basingstoke. The area includes schools, community facilities, parks and open spaces, with links towards the surrounding countryside.

Kempshott is a predominantly residential area in the west of Basingstoke, with a mixture of detached, semi-detached and terraced homes as well as bungalows.

Rooksdown lies to the north of Basingstoke and includes modern residential development around the former Park Prewett site, with convenient access towards the north of the town.

Old Basing and Lychpit lie immediately east of Basingstoke. Old Basing has a historic village centre, while Lychpit provides more modern residential development closer to the edge of the town.

Basingstoke is also continuing to expand through Manydown, a major new community to the west of the existing town where development is planned alongside schools, green space, community facilities and a new countryside park.

Commuting

Basingstoke railway station is managed by South Western Railway and provides direct rail services towards London Waterloo, as well as connections to other destinations across the regional rail network.

The town also has convenient access to the M3, providing road connections towards London, Winchester, Southampton and other parts of Hampshire and the South East.

Education

Basingstoke has a wide range of primary, secondary and post-16 education options.

Secondary schools in the town include The Costello School and Cranbourne School.

Queen Mary’s College provides post-16 education, including A Levels and vocational qualifications, while Basingstoke College of Technology offers full-time technical and vocational courses, T Levels, apprenticeships and higher-education programmes.

Looking for Mortgage Advice in Basingstoke?

Kerr & Watson provides independent, whole-of-market mortgage and protection advice to customers in Basingstoke and across the surrounding Hampshire area.

Whether you’re buying your first home, moving property, remortgaging, investing in buy-to-let or need help with a more complex mortgage, speak to our team to discuss your circumstances and the options available.

Written by Daniel Watson, CeMAP, DipMAP
Published: 6 November 2023 | Last updated: 17 September 2026

Your Mortgage In 3 Easy Steps…

Conversation

Schedule a call to speak to a mortgage adviser about your circumstances, borrowing requirements and property plans.

Alternatively give us a call on 01252 224620 or email us on info@kerrandwatson.co.uk.

Research

We will use the information you’ve provided to research suitable mortgage options across the market and explain our recommendation to you.

If you need an Agreement in Principle, we can also arrange this as part of the process.

Application

Once you’re ready to proceed, we will submit the full mortgage application and supporting documents to the lender.

We will liaise with the lender and its underwriters, respond to any additional requirements and keep you updated until the mortgage offer is issued and through to completion.

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Testimonials

    
 
 
       Posted on Google  
   
   charlotte yates 
 21 July 2026
 
 
  Marie Kitchener was extremely helpful with a difficult , quite complex case. Marie responded to our questions with understanding, great knowledge and we trusted her advice.  The solicitor she recommended was brilliant too. Highly recommend Kerr & Watson.
  
 
      Posted on Google  
   
   Lauren Murray 
 30 June 2026
 
 
  Marie Kitchen was absolutely fabulous. We had an incredibly complicated case due to living abroad and a few hiccups along the way. Marie was persistent and helped us to resolve these efficiently. Highly recommend.
  
 
      Posted on Google  
   
   Michelle 
 8 June 2026
 
 
  My 2nd time dealing with Kerr & Watson and they didn't disappoint, great service, professional and patient - big shout out to Andreea & Stephen
  
 
      Posted on Google  
   
   Sean Turner 
 2 June 2026
 
 
  I had an excellent experience with Kerr and Watson and would happily recommend them. A special mention has to go to James, who provided exceptional service throughout. He was professional, approachable, clear in his communication and always willing to help. His support made a huge difference, and we genuinely couldn’t have done it without him. I would not hesitate in recommending K&W to any family or friends.
  
 
      Posted on Google  
   
   Jackie 
 15 May 2026
 
 
  Brad was quick with getting me the right mortgage insurance prior to a move abroad. Polite and professional. Also liked that he would call to remind me take any actions if I hadn't responded to emails
  
 
      Posted on Google  
   
   Ade Kunle 
 1 May 2026
 
 
  I will always recommend Kerr & Watson to friend and family.
  
 
      Posted on Google  
   
   Minzel 33 
 23 April 2026
 
 
  This is my second product with Matthew, securing a BTL for my LTD with the best rate on the market. Once again great support, guidance and smooth process. Highly recommended, knowledgeable team. Reliable service.
  
 
      Posted on Google  
   
   Freya B 
 14 April 2026
 
 
  The team at Kerr & Watson were brilliant end to end. Daniel explained everything clearly, was always available to answer questions and helped us secure a great mortgage rate. The mortgage broking service they offer is worth every penny and I'd not hesitate to use them again. Thank you!
  
 
      Posted on Google  
   
   Dean Langton 
 7 April 2026
 
 
  Excellent service and very nice people. Would highly recommend using them.

Awards & Recognition

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Frequently Asked Questions

▸ ▾ Is it better to use a mortgage broker or go directly to a bank?

Using a mortgage broker gives you access to multiple lenders rather than just one bank’s products. An independent, whole-of-market mortgage broker can compare options across high street and specialist lenders, helping you apply for the most suitable mortgage first time.

▸ ▾ What does a mortgage broker do?

A mortgage broker assesses your income, outgoings, credit history and deposit to recommend the most suitable mortgage for your circumstances. They compare lenders across the market, submit your application, liaise with underwriters and work alongside your conveyancer until your purchase or remortgage completes.

▸ ▾ Can a mortgage broker access better deals?

An independent mortgage broker can compare products across a wide range of lenders, including some intermediary-only deals. While rates are set by lenders, a broker helps ensure you apply for the most suitable and competitive option available.

▸ ▾ What does whole-of-market mean?

Whole-of-market means a mortgage broker can access products from a broad range of lenders rather than being restricted to one bank or a limited panel. This gives you more flexibility and potentially better-suited mortgage options.

▸ ▾ How much does a mortgage broker cost?

Mortgage adviser fees vary depending on the complexity of your case. Some advisers charge a flat fee, while others are paid via lender commission. At Kerr & Watson, our fees are explained clearly upfront so you understand exactly what you’re paying and why.

▸ ▾ How much can I borrow for a mortgage?

Most lenders offer between 4 and 4.5 times your annual income, subject to affordability checks. The exact amount depends on your income, monthly commitments, credit history and deposit size. A mortgage broker can provide a personalised estimate based on your full financial situation.

▸ ▾ How quickly can I get an Agreement in Principle?

An Agreement in Principle can often be arranged within 24 hours once your key financial details have been reviewed. This provides an indication of how much you may be able to borrow and can strengthen your position when making an offer on a property.

▸ ▾ How long does it take to get a mortgage offer?

A mortgage offer is typically issued within two to six weeks after submitting a full application. Timescales vary depending on the lender, valuation process and complexity of your case. Providing accurate documents from the outset can help speed up the process.

▸ ▾ What documents do I need to apply for a mortgage?

Most lenders require proof of identity, proof of address, recent payslips or tax calculations, bank statements and details of your deposit. Self-employed applicants may also need accounts or SA302s. Your mortgage adviser will confirm exactly what is required before applying.

▸ ▾ Do I need a deposit to get a mortgage?

Yes, most mortgages require a minimum deposit of 5% of the property value. A larger deposit can improve the range of lenders available to you and may secure a more competitive interest rate.

▸ ▾ Can I get a mortgage if I’m self-employed?

Yes, many lenders offer mortgages to self-employed applicants. You will usually need at least one to two years of accounts or tax returns. A specialist mortgage broker can help match you with lenders who understand variable or complex income structures.

▸ ▾ Can I get a mortgage with bad credit?

It may still be possible to get a mortgage with adverse credit, depending on the severity and how recent the issues were. Specialist lenders consider applicants who may have been declined elsewhere. An independent mortgage broker can review your options carefully before applying.

▸ ▾ What happens if I’ve been declined for a mortgage?

A mortgage decline does not necessarily mean you cannot secure a mortgage. Different lenders have different criteria. A mortgage broker can identify why you were declined and approach lenders whose criteria better fit your situation.

▸ ▾ Can I arrange my mortgage remotely?

Yes. Our mortgage advice process can be completed remotely via telephone, email and video call, allowing us to support our customers wherever you are located.

▸ ▾ Do I need a mortgage broker if I’ve already found a property?

No. You do not have to use a mortgage broker simply because you have found a property. However, a broker can still compare suitable lenders, check criteria, arrange an Agreement in Principle or mortgage application and help manage the process through to completion.