Hartley Wintney Mortgage Broker

Mortgage Advice In Hartley Wintney

If you’re looking for a mortgage in Hartley Wintney, 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 Hartley Wintney 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 Hartley Wintney

Residential Mortgages

Buy to Let Mortgages

Bridging and Commercial Finance Solutions

Later Life Lending

Later Life Lending / Equity Release

Insurance Advice for Hartley Wintney Residents

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

Our Insurance Services In Hartley Wintney

About Hartley Wintney

Hartley Wintney is a picturesque village located in the Hart district of Hampshire It is renowned for its English village atmosphere, historic buildings, and a broad, oak-lined High Street. This charming village offers a blend of rich heritage, vibrant community life, and access to the stunning natural beauty of the Hampshire countryside, making it a desirable place for those seeking a serene yet connected lifestyle.

Places to Explore in and Around Hartley Wintney

Hartley Wintney is surrounded by scenic beauty and historic sites, offering plenty of opportunities for exploration and leisure:

Hartley Wintney Common: Home to the famous cricket green, the common is a central hub for community activities and leisurely strolls.
Oak Common: Lined with ancient oak trees, this area provides a peaceful space for relaxation and is a testament to the village’s commitment to preserving its natural beauty.
West Green House: Just a short drive away, this historic house offers beautiful gardens and hosts events throughout the year, including garden operas and Christmas markets.

Community Life in Hartley Wintney

Hartley Wintney is celebrated for its strong sense of community and quality of life:

The village calendar is filled with events, from the annual village festival to Christmas fairs, promoting a strong sense of togetherness among residents.

Hartley Wintney features a range of boutique shops, cafes, and restaurants along its High Street, catering to everyday needs and offering spots for socialising.

Commuting from Hartley Wintney

The village’s location provides convenient commuting options to major cities, making it an attractive place for professionals.

Situated near the M3 motorway, residents have easy access to London, Southampton, and the wider South East.

Nearby Winchfield and Fleet train stations offer direct train services to London Waterloo, making the commute into the city straightforward for residents.

Education in Hartley Wintney

Hartley Wintney provides excellent educational opportunities, with schools known for their commitment to fostering a supportive learning environment:

Hartley Wintney’s proximity to other towns and villages means residents also have access to a wider range of educational options, including secondary schools and colleges in nearby areas.

In Hartley Wintney Greenfields Junior School is well-regarded for its strong academic foundation and inclusive atmosphere.

Living in Hartley Wintney

Hartley Wintney appeals to a broad spectrum of residents, offering a variety of properties from historic homes on the High Street to modern family houses and apartments. The village’s charm, combined with its community amenities and natural surroundings, makes it a sought-after location.

Buying a Property in Hartley Wintney?

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

Properties For Sale in Hartley Wintney

House Prices in Hartley Wintney

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.