Woking Mortgage Broker

Mortgage Advice In Woking

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

Residential Mortgages

Buy to Let Mortgages

Bridging and Commercial Finance Solutions

Later Life Lending

Later Life Lending / Equity Release

Insurance Advice for Woking Residents

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

Our Insurance Services In Woking

About Woking

Woking is a dynamic and diverse town in Surrey that combines urban amenities with a strong sense of community and access to green spaces. Its strategic location, excellent transport links, cultural offerings, and educational opportunities make it an attractive place to live and work.

Exploring Woking and Its Surroundings

Woking boasts a rich history, with attractions like the iconic Basingstoke Canal and the serene Woking Park showcasing its natural beauty. Stroll through Woking’s town center, or venture beyond its borders to discover hidden treasures like the delightful Lightwater Country Park and the tranquil ruins of Newark Priory.

Villages in Woking

Pyrford is situated to the northeast of Woking. The village is known for its charming village green, historic church of St. Nicholas’, and the nearby Pyrford Marina on the Wey Navigation canal. Pyrford maintains a rural atmosphere with its conservation areas and numerous listed buildings.

Ripley, to the east of Woking, is a vibrant village with a high street that boasts an array of antique shops, cafes, and restaurants. Ripley has a strong sense of community and hosts a popular weekly farmers’ market and annual events like the Ripley Event and the Bonfire Night celebration.

Horsell, just north of Woking town center, is perhaps best known for its association with H.G. Wells’ novel “The War of the Worlds,” where Horsell Common is the landing site of the Martians. Today, the village is a sought-after residential area with a bustling village center and a large common that offers expansive space for walking and leisure activities.

Knaphill is a large village that has grown in size but still retains a sense of its own identity with a busy high street and a mix of residential properties. The village is close to the Basingstoke Canal and has easy access to the amenities of Woking.

West Byfleet is a distinct village with a strong community feel, featuring local shops, cafes, and the West Byfleet Golf Club. It has the advantage of its own train station, offering good connections to London, which makes it popular among commuters.

Chobham is known for its conservation area and the nearby Chobham Common, which is one of the largest National Nature Reserves in the southeast of England. The village center is characterised by its traditional buildings and independent businesses.

Send, located to the west of Woking, is a quiet, residential village with a number of historical buildings, including the Send Church and the Old Send School. The Wey Navigation also runs through the village, providing scenic walks and a connection to the countryside.

Commuting To and From Woking

Opting for Woking as your residence ensures excellent commuting options to London, with fast and frequent train connections to London Waterloo in just around 25 minutes. For those who prefer the road, convenient access to major routes like the M25 and A3 guarantees seamless travels to neighboring towns and cities.

Education in Woking

Woking takes great pride in its exceptional schools. Notably, The Winston Churchill School is renowned for its dedication to educational excellence and is complemented by a variety of primary and secondary schools celebrated for their quality of education and holistic development programs.

Buying A Woking Property?

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

Properties For Sale in Woking

House Prices in Woking

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.