Surrey Mortgage Broker

Mortgage Adviser For Surrey – Expert, Independent Advice

Kerr & Watson provide whole-of-market mortgage and protection advice tailored to first-time buyers, home movers, homeowners reviewing their current mortgage and landlords looking to expand or refinance their property portfolio.

Whether you’re buying in Guildford, Woking, Farnham, Camberley, Epsom or elsewhere across Surrey, we provide clear, relationship-focused guidance to help you secure the right mortgage for your individual circumstances.

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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 Surrey 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.

Surrey has a diverse property market, from bustling commuter towns to quieter villages popular with families and professionals. Our advisers regularly support buyers, homeowners and landlords across the county, including those looking for mortgage advice in Addlestone, Brookwood, Epsom, Leatherhead, Oxshott, Walton-on-Thames. With whole-of-market access and experience across a wide range of lending scenarios, we help clients secure suitable mortgage solutions whether they are buying their first home, moving property or reviewing an existing mortgage.

Our Mortgage Services In Surrey

Residential Mortgages

Buy to Let Mortgages

Bridging and Commercial Finance Solutions

Later Life Lending

Later Life Lending / Equity Release

Our Insurance Services In Surrey

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

How We Support Surrey Homeowners & Buyers

We manage your mortgage from start to finish:

Initial affordability review
Agreement in Principle
Full application submission
Liaising with lenders and solicitors
Mortgage offer review
Protection advice

We aim to remove uncertainty and simplify the process, ensuring you understand each stage clearly.

Buying a Surrey Property?

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

Properties For Sale in Surrey

House Prices in Surrey

About Surrey

Moving to Surrey or Settling in? Surrey, often regarded as London’s picturesque backyard, is a delightful blend of bustling urban life and serene countryside. Not only is it one of the UK’s most densely populated counties, but it also boasts an impressive cover of woodlands, heathlands, and golf courses. The North Downs’ chalk ridge gracefully bisects Surrey, further enhancing its natural allure.

Flanked by Greater London, Kent, East and West Sussex, Hampshire, and Berkshire, Surrey stands out as an affluent haven for commuters. Its prime location offers excellent transport connectivity, low crime rates, exceptional shopping experiences, and top-tier educational institutions.

Places To Explore

Surrey’s property landscape is as diverse as its natural beauty. In the south, expect to stumble upon quaint villages, iconic country pubs, and captivating rolling hills. The county offers a mix of architectural marvels, from Victorian to Georgian residences, 1930s buildings, and contemporary urban flats.

Edwin Lutyens, a renowned 19th-century architect, has left his architectural mark south of Guildford, adding to Surrey’s rich history. For those not commuting to London, Surrey hosts a range of major employers, including corporate giants, the NHS, and the University of Surrey.

From the iconic Kew Gardens and thrill-inducing Thorpe Park to the historic Hampton Court, Surrey promises memorable days out. Natural wonders like Box Hill, Devil’s Punch, Frensham Common, and the breathtaking Surrey Hills, recognized as an Area of Outstanding Natural Beauty, await exploration.

Commuting

Surrey’s strategic position ensures smooth commutes, with key towns like Guildford, Redhill, and Woking serving as primary transport hubs. Rail routes connect Surrey to both the south-western and Brighton mainlines. Air travellers are conveniently placed, with London’s major airports, Gatwick and Heathrow, just a stone’s throw away.

Road users benefit from the M25, M3, and M23 motorways, along with vital roads like the A3, A24, and A31, ensuring seamless connectivity across the county and beyond.

Education

Education shines bright in Surrey. Over 50 state schools, separate sixth form colleges, and numerous independent schools attest to Surrey’s commitment to top-notch education. The University of Surrey in Guildford, the University of Creative Arts in Farnham, and in Egham, Egham’s Royal Holloway (a part of London University) cater to higher education needs.

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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Frequently Asked Questions

▸ ▾ 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.

▸ ▾ 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.

▸ ▾ How much does a mortgage adviser 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 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.

▸ ▾ 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.

▸ ▾ 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.

▸ ▾ 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.

▸ ▾ 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 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.

▸ ▾ 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.

▸ ▾ How do I know if a mortgage adviser is qualified?

A qualified mortgage adviser should hold a recognised qualification such as CeMAP and be authorised and regulated by the Financial Conduct Authority (FCA). You can check their registration on the Financial Services Register for added peace of mind.

▸ ▾ How can I check my credit report before applying?

Reviewing your credit report before applying can help identify potential issues. UK credit reference agencies such as Experian, Equifax and TransUnion provide access to your credit information. Checking in advance allows you to correct errors before submitting a mortgage application.