Ash Vale Mortgage Broker

Mortgage Advice In Ash Vale

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

Residential Mortgages

Buy to Let Mortgages

Bridging and Commercial Finance Solutions

Later Life Lending

Later Life Lending / Equity Release

Insurance Advice for Ash Vale Residents

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

Our Insurance Services In Ash Vale

About Ash Vale

Ash Vale is a small village in Surrey, bordering Hampshire, near the Basingstoke Canal and close to the natural splendour of the Ash Ranges. Ash Vale offers residents and visitors alike a retreat from the hustle and bustle of city life, while still providing easy access to urban amenities and local towns such as Camberley, Farnborough and Farnham.

Places to Explore in and Around Ash Vale

Ash Vale is surrounded by natural beauty and historical sites, offering plenty of opportunities for exploration and leisure:

Basingstoke Canal: A central feature of the village, the canal is perfect for boating, fishing, walking, and cycling along its picturesque towpaths.
Ash Ranges: An extensive area of heathland to the north of Ash Vale, offering great walks, birdwatching, and stunning views over Surrey.
Frimley Lodge Park: A short drive from Ash Vale, this park offers a miniature railway, pitch and putt golf, and plenty of green space for picnics and family outings.

Community Life in Ash Vale

Ash Vale boasts a vibrant community life with a strong sense of local identity. The heart of Ash Vale, where you’ll find local shops, cafes, and community facilities, fostering a tight-knit community atmosphere. Ash Vale also hosts various community events throughout the year, including charity runs, canal festivals, and seasonal celebrations, which bring residents together.

Commuting from Ash Vale

Ash Vale offers excellent transport links, making it an ideal location for commuters:

Ash Vale Railway Station: Provides direct services to London Waterloo, Guildford, and Farnham, ensuring a convenient commute for residents.

Good Road Connections: Proximity to major roads like the A331 and M3 allows for easy access to surrounding areas, including London, Guildford, and the South Coast.

Education in Ash Vale

The village is served by several reputable schools, providing quality education from early years to secondary level.

Ash Grange Nursery & Primary School: Known for its nurturing environment and commitment to excellence in primary education.

Ash Manor School: A secondary school located nearby in Ash, offering a broad curriculum and strong extracurricular programs to students from Ash Vale and surrounding areas.

Living in Ash Vale

Ash Vale is an attractive location for homebuyers and renters alike, with a variety of housing options available, from traditional family homes to modern apartments. The village’s peaceful setting, combined with its community amenities and easy access to larger towns and cities, makes it a desirable place to live.

Buying a Property in Ash Vale?

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

Properties For Sale in Ash Vale

House Prices in Ash Vale

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.