Four Marks Mortgage Broker

Mortgage Advice In Four Marks

If you’re looking for a mortgage in Four Marks, 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 Four Marks 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 Four Marks

Residential Mortgages

Buy to Let Mortgages

Bridging and Commercial Finance Solutions

Later Life Lending

Later Life Lending / Equity Release

Insurance Advice for Four Marks Residents

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

Our Insurance Services In Four Marks

About Four Marks

Four Marks, nestled in the beautiful countryside of Hampshire, is a village known for its blend of rural beauty and modern development. As one of the highest villages in Hampshire, it offers stunning views and a high quality of life, with a growing population attracted by its local amenities and community feel.

Key Features of Four Marks

Four Marks stands out for its:

Local Shops and Businesses: Serving the community, the local businesses in Four Marks range from independent retailers to well-known supermarkets, ensuring residents have easy access to essentials.

Recreation Ground: A focal point for village sports and outdoor activities, the recreation ground is well-loved by families and sports enthusiasts alike.

Four Marks Steam Railway: Part of the Watercress Line, this heritage railway is a nod to the village’s historical connections and a popular attraction for visitors.

Education and Schools in Four Marks

The village of Four Marks is served by strong educational facilities:

Four Marks Church of England Primary School: This school is at the core of the village’s family-oriented ethos, offering a supportive and engaging educational environment.

Perins School: A secondary school known for its excellence and community involvement, located in nearby Alresford, caters to the families of Four Marks.

Alton College: Providing further education options, Alton College is within easy reach and offers a range of A-level and vocational courses for older students.

Community and Lifestyle

Four Marks enjoys an active community life with events such as the annual village fete and various club activities. The surrounding countryside provides ample opportunity for hiking, cycling, and equestrian pursuits, making it a haven for those who love the outdoors.

Transport and Connectivity

The village benefits from excellent road connections, including the nearby A31, providing residents with easy access to larger towns such as Alton and Winchester. The strong transport links make it a convenient location for commuters looking to enjoy a rural lifestyle.

Living in Four Marks

Housing in Four Marks includes a mix of traditional and new build properties, appealing to a broad spectrum of buyers, from first-time homeowners to those seeking more substantial family residences. The village’s continued growth ensures a vibrant property market and a community geared towards future expansion.

Four Marks represents the perfect balance between country living and access to modern conveniences. With its scenic setting, community-driven atmosphere, and variety of local amenities, it is a village that caters to all ages and lifestyles. For those drawn to the charms of Hampshire’s countryside, Four Marks offers a welcoming and dynamic place to call home.

Below, find links to the latest house prices in Four Marks and properties for sale in this area, courtesy of Rightmove.

Properties For Sale in Four Marks

House Prices in Four Marks

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.