Surrey Mortgage Broker

Mortgage Advice in Surrey

Kerr & Watson provides whole-of-market mortgage and protection advice to customers throughout Surrey, including Guildford, Woking, Farnham, Camberley and Epsom. We work with first-time buyers, people moving house and existing homeowners reviewing their mortgage arrangements. Landlords can also speak to us about purchasing additional properties or refinancing their buy-to-let portfolios.

With lenders offering different rates, products and borrowing criteria, it’s important to understand which options are suitable for your circumstances. Our advisers will assess your requirements, research the available mortgages and explain their recommendations, helping you make an informed decision about your property purchase or remortgage.

Who Are Kerr & Watson?

Kerr & Watson are an independent, whole-of-market mortgage and protection brokerage, directly authorised and regulated by the Financial Conduct Authority (FCA). Based in Farnborough, we provide expert mortgage advice to customers across Hampshire, Surrey, Berkshire and the surrounding areas.

Our experienced, CeMAP-qualified advisers help first-time buyers, home movers, landlords and customers with more complex borrowing requirements. As an award-winning brokerage with excellent customer reviews, we pride ourselves on providing clear advice and ongoing support.

What this means for our customers:

• Personalised mortgage advice tailored to your circumstances.
• Clear explanations of mortgage options, costs and lender requirements.
• Help with applications, paperwork and communication with lenders and solicitors.
• Regular updates throughout the mortgage process, with ongoing mortgage and protection support.

Mortgage & Protection Services

We can help with a wide range of mortgage and protection needs, including:

• Residential mortgages – First-time buyers, moving home, remortgages and complex borrowing.
• Buy-to-let mortgages – Individual landlords, limited companies, portfolios and HMOs.
• Bridging and commercial finance – Bridging loans, commercial mortgages and development finance.
• Later-life lending – Retirement interest-only mortgages and equity release.
• Protection advice – Life insurance, critical illness cover, income protection and business protection.

Buying a Property in Surrey?

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

Surrey remains one of the most desirable counties in the South East, attracting homebuyers seeking excellent transport links, strong local economies and a wide variety of property types. Over the last year, house prices across Surrey averaged approximately £616,108.

Semi-detached properties were the most commonly sold homes, achieving an average sale price of around £584,385. Detached properties commanded significantly higher values, with an average sale price of approximately £994,909, while flats sold for an average of £300,684.

Why Homebuyers Choose Surrey

Surrey has a blend of bustling urban life and serene countryside. It one of the UK’s most densely populated counties, and boasts an impressive cover of woodlands, heathlands, and golf courses. The North Downs’ chalk ridge gracefully bisects Surrey, further enhancing its desire.

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

Why Residents Love Living in Surrey

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 properties, 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 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.

Looking for Mortgage Advice in Surrey?

Making decisions about your mortgage can be difficult when there are so many lenders and products to consider. Kerr & Watson helps customers across Surrey with first-time purchases, moving home, remortgaging and buy-to-let investments. We can also advise on specialist finance where standard mortgage options may not be suitable.

Speak to our team about your property plans. We’ll take the time to understand your circumstances, answer your questions and provide independent mortgage advice to help you choose a suitable option.