Winchester Mortgage Broker

Mortgage Advice In Winchester

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

Residential Mortgages

Buy to Let Mortgages

Bridging and Commercial Finance Solutions

Later Life Lending

Later Life Lending / Equity Release

Insurance Advice for Winchester Residents

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

Our Insurance Services In Winchester

About Winchester

Winchester, the ancient capital of England, is a cathedral city steeped in history and full of cultural richness, nestled in the heart of Hampshire. This picturesque city is famed for its medieval Winchester Cathedral, cobblestone streets, and the legacy of legendary figures such as Alfred the Great and Jane Austen. Offering a harmonious blend of historical architecture and contemporary living, Winchester is a sought-after location for those who value heritage, education, and a strong community spirit.

Places To Explore In And Around Winchester

Winchester’s historical significance is on display throughout the city, from the Great Hall, which houses the iconic Round Table, to Winchester College, one of England’s oldest schools. For nature lovers, the South Downs Way provides ample opportunities for hiking and enjoying breathtaking landscapes, while the Hospital of St Cross is a hidden gem offering tranquil gardens and medieval architecture.

Families can enjoy the Winchester Science Centre and Planetarium, which offers interactive exhibits and educational fun for all ages. The city’s vibrant arts scene is celebrated during the annual Winchester Hat Fair, the UK’s longest-running festival of outdoor arts.

Villages in Winchester

Sparsholt is a picturesque village located to the west of Winchester. It is home to the Sparsholt College, a leading institution specialising in agriculture and forestry. The village is characterised by beautiful thatched cottages and traditional country estates, and it boasts a well-regarded local pub, The Plough.

Twyford is a larger village to the south of Winchester, known for its clear streams and water meadows. It has a vibrant community with several shops, a primary school, and a selection of pubs, including the historic Bugle Inn. Twyford also offers lovely walking trails along the Itchen River.

Compton and Shawford are twin villages located to the south of Winchester. They offer a semi-rural lifestyle with the benefit of good transport links to the city. Shawford is particularly noted for its railway station, which provides easy access to London.

Kings Worthy is a village that has effectively become a suburb of Winchester due to its close proximity. It has expanded over the years and offers a variety of amenities, including schools, shops, and recreational facilities. Its village green and community events maintain a traditional village atmosphere.

Headbourne Worthy is a small village to the north of Winchester, consisting of a mix of old and new housing. It retains a peaceful rural feel, with the historic Church of St. Swithun and the Cart and Horses pub being focal points of village life.

Colden Common is a residential village located to the south of Winchester, with a strong community spirit. It has a community centre, sports facilities, and a number of local businesses serving the needs of residents.

Micheldever is a village to the north of Winchester, surrounded by picturesque countryside. It is known for the Micheldever Woods, especially beautiful in spring with its spectacular bluebell displays. The village has a historic church, a primary school, and a welcoming community.

Otterbourne lies to the south of Winchester, with the Otterbourne Hill providing panoramic views of the area. It has a range of amenities including pubs, a village hall, and local shops. The village also has historical links, with the author Charlotte Yonge having lived there.

Easton is a small village nestled in the Itchen Valley, to the northeast of Winchester. It has a traditional village feel with a cricket ground, a parish hall, and the Chestnut Horse pub. Easton is also popular among fly-fishing enthusiasts

Commuting To And From Winchester

With Winchester’s excellent transport links, including its proximity to the M3 motorway and A34, commuting to and from the city is a breeze. Winchester railway station offers direct train services to London Waterloo, Southampton, and Bournemouth, making it a convenient location for both local and long-distance travel.

Education In Winchester

Education is a cornerstone of the Winchester community, with the University of Winchester contributing to the city’s academic atmosphere. Families can choose from a variety of outstanding educational institutions, such as Peter Symonds College, known for its excellent sixth form provision, and the Westgate School, a comprehensive school with a strong academic record.

Buying a Winchester Property?

To help with your move to Winchester, here are links to the most up-to-date house prices in the area and properties currently for sale, as listed on Rightmove.

Properties For Sale in Winchester

House Prices in Winchester

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 7-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.