Tongham Mortgage Broker

Mortgage Advice In Tongham

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

Residential Mortgages

Buy to Let Mortgages

Bridging and Commercial Finance Solutions

Later Life Lending

Later Life Lending / Equity Release

Insurance Advice In Tongham

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

Our Insurance Services In Tongham

About Tongham

Tongham, located in the southwestern corner of Surrey near the borders of Hampshire, is a small yet vibrant village with a unique character. Known for its historic brewery, friendly community, and convenient location, Tongham offers a charming mix of rural living with easy access to modern amenities, making it an appealing place to live and explore in Surrey.

Places To Explore In And Around Tongham

A visit to Tongham wouldn’t be complete without stopping by the Hogs Back Brewery, a local gem famous for its craft beers, including the renowned “TEA” (Traditional English Ale). The brewery offers tours and a shop where you can sample and purchase a variety of their brews. For those who enjoy the outdoors, the Tongham Community Wood is a beautiful spot for walking and picnicking, providing a peaceful retreat amidst nature.

A short drive from Tongham, you’ll find the historic town of Farnham, with its impressive Farnham Castle and delightful array of shops and cafes. Additionally, the nearby Alice Holt Forest offers extensive trails for walking, cycling, and family-friendly activities in a stunning woodland setting.

Villages within Tongham

Ash is a neighboring village known for its strong sense of community and family-friendly environment. With its local parks, schools, and convenient amenities, Ash is a popular choice for families looking for a village atmosphere close to Tongham.

Seale is a picturesque hamlet nestled within the Surrey Hills Area of Outstanding Natural Beauty, offering stunning countryside views and charming cottages. The area is perfect for those seeking a quiet, rural lifestyle while still being close to Tongham and its amenities.

Badshot Lea lies just north of Tongham and is known for its large garden center and close-knit community. The village offers a mix of residential properties and easy access to nearby Farnham and Aldershot.

Commuting To And From Tongham

Tongham’s location provides excellent commuting options. The village is close to the A31 and A331, offering direct routes to the M3 and A3, making travel to London, Guildford, and the south coast straightforward. For those using public transport, nearby Aldershot and Farnham stations offer regular train services to London Waterloo, typically taking around 45-50 minutes.

Education In Tongham

Tongham is well-served by a selection of good local schools. Ash Manor School, located nearby, is a popular secondary school known for its supportive learning environment. For younger children, St. Paul’s Church of England Infant School in Tongham and Shawfield Primary School in nearby Ash provide excellent primary education. The proximity to Farnham and Guildford also offers access to a variety of other highly regarded schools, both state and independent, enhancing Tongham’s appeal for families.

Buying a Tongham Property?

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

Properties For Sale in Tongham

House Prices in Tongham

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.