Virginia Water Mortgage Broker

Mortgage Advice In Virginia Water

If you’re looking for a mortgage in Virginia Water, 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 Virginia Water 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 Virginia Water

Residential Mortgages

Buy to Let Mortgages

Bridging and Commercial Finance Solutions

Later Life Lending

Later Life Lending / Equity Release

Insurance Advice for Virginia Water Residents

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

Our Insurance Services In Virginia Water

About Virginia Water

Virginia Water, located in the Runnymede borough of Surrey, is a village synonymous with upscale living and scenic landscapes. Renowned for its namesake lake in Windsor Great Park, this affluent area is one of the most desirable places to live in the South East of England, offering a tranquil lifestyle within a stone’s throw of London.

Key Features of Virginia Water

Virginia Water is celebrated for its:

Virginia Water Lake: A jewel in the crown of the local community, the lake provides a picturesque setting for walking, jogging, and leisurely afternoons spent in the embrace of nature.

Wentworth Estate: Known worldwide for its championship golf course and exclusive properties, Wentworth Estate adds a touch of prestige and exclusivity to Virginia Water.

Windsor Great Park: Stretching over thousands of acres, this royal park offers a rich tapestry of history, extensive woodland, open grassland, and deer parks, all accessible from Virginia Water.

Education and Schools in Virginia Water

Families in Virginia Water have access to excellent education options:

Virginia Water Community Pre-School: This setting offers a caring and educational environment for early years development, placing a strong emphasis on learning through play.

Christ Church CofE Infant School: As a highly regarded local school, it sets young students on a path of both educational success and personal growth.

The Marist School: Nearby in Sunninghill, this independent Catholic day school for girls provides a rigorous and supportive educational environment through to sixth form.

Villages in or Near Virginia Water

The surrounding areas contribute to Virginia Water’s charm:

Englefield Green: A nearby village with a rich sense of community and history, offering additional green spaces and local amenities.

Sunningdale: Known for its golf club and quaint village centre, Sunningdale is another location synonymous with luxury living, adding to the appeal of Virginia Water.

Ascot: Home to the famous racecourse, Ascot provides a mix of leisure and retail opportunities, as well as regular events that draw a high-profile international crowd.

Community and Lifestyle

Virginia Water’s lifestyle is one of comfort and leisure, with a strong community spirit evident in the local clubs, societies, and seasonal events. Its proximity to Windsor Great Park and the Surrey Hills means that outdoor activities and pursuits are never far away, offering residents the perfect blend of rural and luxurious living.

Transport and Connectivity

Despite its serene setting, Virginia Water boasts excellent transport links. The village’s train station provides regular services to London Waterloo and Reading, and proximity to the M25, M3, and M4 ensures easy travel by car.

Living in Virginia Water

The residential scene in Virginia Water is characterized by luxury homes, including grand estates and stylish apartments. The village caters to those seeking an elite lifestyle, with local boutiques, fine dining restaurants, and high-end amenities enhancing its profile as a distinguished locale.

Virginia Water offers a lifestyle marked by elegance and tranquility, ideal for those who value privacy, natural beauty, and access to the finer things in life. With its superb location, excellent schools, and high-end amenities, Virginia Water remains one of the most sought-after addresses in the UK.

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

Properties For Sale in Virginia Water

House Prices in Virginia Water

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.