Camberley Mortgage Broker

mortgage Advice In Camberley

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

Residential Mortgages

Buy to Let Mortgages

Bridging and Commercial Finance Solutions

Later Life Lending

Later Life Lending / Equity Release

Insurance Advice for Camberley Residents

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

Our Insurance Services In Camberley

About Camberley

Camberley is a dynamic and thriving town that combines urban amenities, a strong sense of community, and proximity to both natural beauty and cultural attractions. Its strategic location, excellent transport connections, and diverse offerings make it an appealing place to live and work in the southeast of England. Its strong military presence and historical roots continue to shape its character and identity.

Places To Explore In And Around Camberley

Camberley boasts a rich history, highlighted by attractions like the Royal Military Academy in Sandhurst, where centuries of military tradition come to life. The town also features beautiful green spaces like Lightwater Country Park and the serene Frimley Lodge Park, perfect for leisurely walks, picnics, and outdoor recreation for families.

Villages in Camberley

Frimley is a small village that has largely been absorbed by the urban expansion of Camberley. However, it retains a distinct sense of identity, with its own high street, local amenities, and community events. Frimley Park Hospital is a notable facility serving the wider area.

Frimley Green, separate from Frimley, is famous for hosting the BDO World Professional Darts Championships at the Lakeside Country Club. This village has a green at its heart, around which community life revolves, and it maintains a quieter, more rural atmosphere than the bustling Camberley.

Mytchett is another village near Camberley, nestled alongside the Basingstoke Canal and Mytchett Lake. It is a popular spot for fishing, boating, and walking, with the canal towpath providing scenic routes for nature enthusiasts.

Bagshot to the north of Camberley, once a crucial resting point for stagecoaches travelling between London and the south coast, still offers a slice of historical Surrey. The village’s high street is lined with traditional shops and cafes, and Bagshot Park, a royal residence, lies nearby.

Lightwater is a village to the northwest of Camberley, known for its country park and leisure facilities. The village has a friendly local community, with a range of shops and services that cater to the needs of its residents.

West End, close to Camberley, is a village with a rural feel, featuring West End Common and Brentmoor Heath, which are local nature reserves offering heathland and woodland walks.

Deepcut is a village that has strong ties to the British Army, with the Princess Royal Barracks located there until 2015. The area is now undergoing development but still retains a village-like atmosphere with smaller communities and green spaces.

Commuting to and from Camberley

Choosing Camberley as your home base provides excellent commuting options to London, with convenient train connections to London Waterloo in under an hour. Additionally, easy access to major roadways like the M3 and A30 ensures smooth travel to nearby towns and cities.

Education in Camberley

Camberley takes great pride in its exceptional schools. Collingwood College, in particular, is renowned for its educational excellence and is complemented by a range of primary and secondary schools known for their quality of education and holistic development programs.

Buying a Camberley Property?

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

Properties For Sale in Camberley

House Prices in Camberley

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.