Egham Mortgage Broker

Mortgage Advice In Egham

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

Residential Mortgages

Buy to Let Mortgages

Bridging and Commercial Finance Solutions

Later Life Lending

Later Life Lending / Equity Release

Insurance Advice for Egham Residents

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

Our Insurance Services In Egham

About Egham

Egham, a historic town in Surrey, is ideally located on the banks of the River Thames and near Windsor, offering both picturesque landscapes and regal connections. Known for its proximity to the Magna Carta memorial at Runnymede, Egham combines a rich historical tapestry with the convenience of modern living, making it an attractive place for professionals, students, and families.

Places To Explore In And Around Egham

In Egham, history enthusiasts can visit the Runnymede Air Forces Memorial, which commemorates the RAF personnel who died in World War II. The beautiful Virginia Water Lake, part of the Windsor Great Park, provides a peaceful setting for walks and picnics and is a popular spot for outdoor activities.

Just a short drive away, the grandeur of Windsor Castle offers a glimpse into the royal heritage, and the nearby Thorpe Park appeals to thrill-seekers with its range of exciting rides and attractions.

Villages in Egham

Englefield Green is one of the more recognised villages near Egham. It’s an attractive and affluent area, home to a large student population and professors associated with the university. The village is adjacent to Windsor Great Park and near the Air Forces Memorial.

Virginia Water is a commuter village famed for its namesake lake in the nearby Windsor Great Park. The village has a mix of shops, cafes, and restaurants and is known for its luxury homes. The area around the lake is a popular spot for walking and picnics.

Thorpe is a small village known for the Thorpe Park Resort, a major theme park. The village retains a quiet charm with St. Mary’s Church at its heart and is bordered by agricultural land and the theme park.

Egham Hythe is a suburban community on the Thames, with riverfront paths and recreational spaces. It has its own local shops and services, and it benefits from proximity to both the larger town amenities of Egham and Staines-upon-Thames.

Cooper’s Hill is notable for the annual Cheese-Rolling event, which draws participants and spectators from around the world. It’s a residential area with a mix of housing and close access to the beautiful woodlands of the surrounding hills.

Wraysbury is a village to the east of Egham, lying on the north bank of the River Thames. It is a quiet community with historic elements, including several listed buildings and a village green.

Old Windsor lies to the west of Egham, and though larger than the other mentioned areas, it has a distinct village feel with a number of local businesses and community events. It is close to the Windsor Castle, one of the official residences of the British monarch.

Commuting To And From Egham

Egham’s strategic location near the M25 makes it an ideal spot for commuters, with easy road access to London, Heathrow Airport, and the surrounding areas. Egham railway station offers direct train services to London Waterloo, making the commute for work or leisure convenient and efficient.

Education In Egham

Egham is home to Royal Holloway, University of London, which is renowned for its impressive Founder’s Building and high academic standards. The area also boasts several excellent schools, including Strode’s College, which offers a comprehensive range of A-level and BTEC courses.

Buying An Egham Property?

For those planning a move to Egham, below you’ll find links to the latest property statistics for Egham and listings for homes currently on the market, provided by Rightmove.

Properties For Sale in Egham

House Prices in Egham

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.