Farnham Mortgage Broker

Mortgage Advice In Farnham

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

Residential Mortgages

Buy to Let Mortgages

Bridging and Commercial Finance Solutions

Later Life Lending

Later Life Lending / Equity Release

Insurance Advice for Farnham Residents

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

Our Insurance Services In Farnham

About Farnham

Farnham, a lovely market town located in Surrey, radiates both historical charm and modern vibrancy. With its quaint cobbled streets, excellent amenities, and a community that welcomes with open arms, Farnham presents a harmonious blend of old-world charm and contemporary living.

Places To Explore In And Around Farnham

Farnham has a rich heritage. Farnham Castle, a site steeped in centuries of history and offering breathtaking views of the town. Lush landscapes such as Farnham Park, a green oasis perfect for leisurely walks, picnics, and outdoor activities for the whole family.

Explore beyond the town boundaries, and you’ll find gems like Birdworld, offering a delightful day out for animal lovers, and the Sculpture Park, where art and nature collide beautifully.

Villages within Farnham

The village of Tilford is renowned for its quintessential village green and cricket matches, a scene that encapsulates traditional English country life. The River Wey runs through the village, adding to its scenic beauty, and the area is popular for walking and nature spotting, particularly at the nearby Tilford Woods.

Wrecclesham, just to the south of Farnham, has a rich history in pottery and cricket ball making, and retains a peaceful village atmosphere with its lovely cottages and local shops that serve the community.

Rowledge, another village near Farnham, offers a mix of old and new with its well-preserved Victorian houses and modern amenities. It’s a vibrant community with a friendly village feel, boasting a village hall, local shops, and a primary school.

Hale is a village that has almost become a suburb of Farnham due to the town’s expansion, yet it still maintains its own identity with a distinct village hall and church. The community is active, with various events held throughout the year that foster a strong sense of belonging.

Crondall, a village to the west of Farnham, is noted for its listed buildings and the 12th-century church of All Saints. The village exudes a sense of history and continuity, with a landscape that has inspired artists and photographers.

Commuting To And From Farnham

Choosing Farnham as your residence offers excellent commuter links to London, with trains serving London Waterloo in just under an hour. Those who prefer the convenience of road travel will appreciate easy access to major roadways like the A31, providing smooth connectivity to surrounding areas and beyond.

Education in Farnham

When it comes to education, Farnham stands proud with an assortment of commendable schools. South Farnham School, notably recognized for its excellence, is complimented by an array of institutions, both primary and secondary, that are celebrated for their quality of education and holistic development approaches.

Buying a Farnham Property?

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

Properties For Sale in Farnham

House Prices in Farnham

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.