Ash Mortgage Broker

Mortgage Advice In Ash

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

Residential Mortgages

Buy to Let Mortgages

Bridging and Commercial Finance Solutions

Later Life Lending

Later Life Lending / Equity Release

Insurance Advice for Ash Residents

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

Our Insurance Services In Ash

About Ash

Ash, a village located in Surrey, it has the charm and tranquillity of English rural life while offering the conveniences of a suburban community. Known for its picturesque landscapes, rich history, and friendly atmosphere, Ash is an ideal destination for those who seek a peaceful living environment with easy access to larger towns and cities.

Places to Explore in and Around Ash

Ash and its vicinity boast a variety of attractions that cater to diverse interests:

Ash Vale: This neighbouring area offers scenic views along the Basingstoke Canal, ideal for leisurely walks and cycling.
Ash Ranges: A large area of open heathland, perfect for outdoor enthusiasts interested in walking, bird watching, and enjoying nature.
Tongham Woods: Situated close to Ash, these ancient woods provide a serene environment for nature walks and wildlife spotting.

Community Life in Ash

Ash is known for its strong community spirit, with several distinct areas contributing to its unique charm.

Ash Green is semi-rural hamlet offering a peaceful lifestyle amidst green fields and open spaces.

Ash Vale is known for its proximity to the Basingstoke Canal, Ash Vale combines the beauty of waterside living with the convenience of suburban amenities.

Tongham is a historic village bordering Ash, Tongham is famous for its traditional brewery and community events.

Commuting in and around Ash

Ash is conveniently located for commuters. The village is served by Ash railway station, providing links to Guildford, Reading, and London Waterloo. Additionally, its proximity to the A31 and A331 roads allows for easy access to nearby towns and cities.

Education in Ash

Ash offers a range of educational opportunities, with several reputable schools catering to different age groups:

Ash Manor School: A secondary school known for its strong academic record and a wide range of extracurricular activities.
Ash Grange Primary School: Committed to providing high-quality primary education with a focus on individual development and community values.

Living in Ash

The real estate landscape in Ash is diverse, featuring everything from charming period cottages to modern family homes. The village is an appealing choice for those looking to enjoy a quieter lifestyle while remaining connected to local urban centres like Guildford.

Buying a Property in Ash?

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

Properties For Sale in Ash

House Prices in Ash

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.