Handelsbanken

Handelsbanken: Bespoke Mortgage Solutions Tailored to You

Handelsbanken is a trusted, relationship-driven bank, renowned for providing bespoke mortgage solutions designed to meet the unique needs of its clients. Whether you’re purchasing a residential property, refinancing, or managing complex financial situations, Handelsbanken offers a personalised approach that prioritises flexibility and understanding.

At Kerr & Watson, we work with with Handelsbanken along with many other lenders to provide our clients access to tailored lending solutions, ensuring their property ambitions are met with expert guidance and care.

Why Choose Handelsbanken for Your Mortgage Needs?

Relationship-Focused Banking

Handelsbanken takes a long-term approach to customer relationships, focusing on understanding your financial situation in detail. Their unique model allows account managers to look beyond standard criteria, ensuring that you receive a mortgage solution tailored to your needs. Whether you’re buying a family home, managing multiple income streams, or investing in buy-to-let properties, Handelsbanken offers expert support.

Local Expertise and Swift Decisions

With over 160 branches across the UK, Handelsbanken provides a local, community-focused service. Your application is handled by a dedicated account manager within your local branch, ensuring that decisions are made swiftly by someone who knows you and your local market. From appointing trusted valuers and conveyancers to keeping you informed every step of the way, Handelsbanken streamlines the mortgage process.

Flexible Lending Criteria

Understanding that no two clients are the same, Handelsbanken offers solutions for:

Multiple income streams: Including directors, landlords, and self-employed clients.
Unusual properties: Such as rural homes, holiday cottages, and properties with land or stables.
Complex financial situations: Tailored solutions for borrowers with diverse financial profiles.

Handelsbanken Mortgage Options

Residential Mortgages

Whether you’re purchasing your dream home or remortgaging an existing property, Handelsbanken’s residential mortgages are designed with flexibility in mind.

Buy-to-Let Mortgages

They can accommodate first-time landlords or seasoned investors, Handelsbanken provides bespoke solutions for buy-to-let properties, including consumer buy-to-let options for family members when cases meet their criteria.

Offset Mortgages

Handelsbanken’s offset mortgages allow you to reduce interest payments by offsetting savings against your mortgage balance, which could be a great option for those with substantial savings or looking for tax-efficient solutions.

Self-Build Mortgages

For those embarking on a self-build journey, Handelsbanken can offer loans drawn down in stages to match your build schedule. Which can then see you transition to a residential mortgage upon project completion.

Bridging Loans

For short-term financing needs, Handelsbanken’s bridging loans can assist with property purchases or renovations.

Why Work with Kerr & Watson?

Bespoke mortgage solutions offered by private banks like Handelsbanken can be complex. At Kerr & Watson, we simplify the process by providing expert advice tailored to your circumstances. Our relationship with Handelsbanken ensures you access their products and personalised service, along with many other lenders we work with.

Contact Kerr & Watson Today

If you’re seeking a flexible mortgage solution that considers your unique financial circumstances, Handelsbanken may be an option.

Contact Kerr & Watson to discuss your needs and discover how we can help secure the right mortgage for you.

If you are seeking advice about a mortgage, you should speak with a qualified advisor.

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.