At Kerr & Watson, we do more than simply offer advice; we become integral partners in your financial journey. Our experienced and award-winning team leverages deep expertise and longstanding relationships within the mortgage and insurance sectors. This enables us to provide tailored solutions, no matter how complex your financial needs may be. Whether you require assistance with high street lenders or more niche providers, we utilise our knowledge and connections to help you achieve your goals with confidence and efficiency.
Central to our approach is communication. We ensure that the process is transparent, stress-free, and efficient, with regular updates at every stage. We work around your schedule, allowing you to stay in control while we manage the complexities of securing the right mortgage, insurance, or later-life lending options. Our commitment to customer care and clarity is what distinguishes us in the marketplace. We pride ourselves on the trust our clients place in us, many of whom return time and again, recommending us to their family and friends. At Kerr & Watson, we are dedicated to supporting you in making well-informed decisions for financial security and peace of mind, now and in the future.
Central to our approach is communication. We ensure that the process is transparent, stress-free, and efficient, with regular updates at every stage. We work around your schedule, allowing you to stay in control while we manage the complexities of securing the right mortgage, insurance, or later-life lending options. Our commitment to customer care and clarity is what distinguishes us in the marketplace. We pride ourselves on the trust our clients place in us, many of whom return time and again, recommending us to their family and friends. At Kerr & Watson, we are dedicated to supporting you in making well-informed decisions for financial security and peace of mind, now and in the future.
Served areas
- Residential Mortgages, Buy To Let Mortgages, Bridging and Commercial, Insurance, Later Life Lending, Commercial Mortgages, Bridging Loans, Asset Backed Lending, Development Finance, Life Insurance, Income Protection, Critical Illness Cover, HMO Mortgages, First Time Buyer Mortgages
Details
- Year established: 2023
- Employees: 7
- Licensed
- Insured
Highlights and features
- Award-winning independent mortgage and insurance brokers.
- Whole-of-market advice across Hampshire, Berkshire, and Surrey.
- Over 200 five-star reviews from satisfied clients.
- Tailored advice based on your unique financial needs.
- Expert guidance for residential, buy-to-let, and commercial mortgages.
- Clear communication throughout the entire process.
Payment methods
- Cash
- Debit cards
- Credit cards
Services
Buying a home for the first time is a significant step, and we understand that it can be a daunting experience. At Kerr & Watson, we provide a comprehensive mortgage service, helping you evaluate your borrowing capacity, required deposit, and qualification for a mortgage. With our extensive market access, we ensure you find the best option suited to your needs and circumstances.
For homeowners looking to move, the financial requirements can change, especially when considering property value increases or changes in personal income. Kerr & Watson assesses your financial situation comprehensively, offering insights into the borrowing potential available to you and the most suitable lenders for your needs.
Opting for a product transfer can be a strategic choice when it comes to managing your mortgage. This approach enables you to adjust to more favourable terms with your current lender, aligning the deal with your financial goals. At Kerr & Watson, we ensure the transfer process is seamless and customised to your needs.
At Kerr & Watson, we offer bespoke remortgage services tailored to your unique financial situation. Whether you're looking to lower your interest rate, secure a fixed term, or release equity for home improvements, we take the time to explore all available options to help you make an informed decision that aligns with your goals.
If you are looking to secure a large mortgage for a high-value property, Kerr & Watson can help. We work with lenders from across the financial spectrum, including high street and private banks, to ensure you find the right lending option. With our expertise in complex income structures, we simplify the process and minimise delays.
At Kerr & Watson, we specialise in self-employed mortgages and understand the nuances of how lenders assess income. Our team offers bespoke advice tailored to your unique financial situation, helping you secure a mortgage with the right lender. From preparing your financial documents to guiding you through the application process, we provide full support every step of the way.
Purchasing a newly built home can be a daunting task, especially when tight deadlines are involved. Our team ensures that you meet any deadlines set by developers, guiding you from your initial enquiry all the way through to the completion of your mortgage application with efficiency and professionalism.
Facing adverse credit doesn’t mean you cannot secure a mortgage. At Kerr & Watson, we take the time to understand your specific circumstances and identify lenders who are open to applicants with a history of missed payments or defaults. Our tailored approach ensures that you’re matched with the right mortgage solution.
At Kerr & Watson, we specialise in providing mortgage advice to foreign nationals, including those with visas or residency permits. Our team works closely with you to find the right lender, offering a smooth application process. We ensure that all your questions are answered, and guide you through every stage of securing your mortgage in the UK.
At Kerr & Watson, we offer expert guidance on standard buy-to-let mortgages, particularly for clients with residential investment properties. With differing lender criteria across age, income, and property types, we utilise our extensive knowledge to recommend the most appropriate products tailored to your investment goals and financial circumstances.
Kerr & Watson’s limited company buy-to-let mortgage service provides access to competitive deals from a variety of lenders, including high street banks and specialist mortgage providers. Our team is dedicated to securing the most favourable terms for your investment strategy. Additionally, we work alongside your accountant to ensure the tax advantages are thoroughly explored and understood.
As a portfolio landlord, you may face more restrictive mortgage options once you own four or more buy-to-let properties. At Kerr & Watson, we help guide professional landlords through this process, collaborating with leading banks, building societies, and exclusive lenders to provide tailored mortgage solutions that best suit your needs.
At Kerr & Watson, we specialise in helping you secure the right holiday let mortgage for properties intended for personal use and short-term rental. With increasing demand for holiday properties in the UK, we offer expert advice and guidance to ensure your investment is properly supported by suitable lenders.
At Kerr & Watson, we simplify the mortgage process for expats, offering personalised guidance and exclusive mortgage products. Whether you earn in foreign currencies or lack UK credit history, we help you identify suitable lenders and navigate the often-challenging process of securing property finance internationally. Let us make your overseas property aspirations a reality.
At Kerr & Watson, we offer bridging loans to assist with urgent property needs, whether it's securing a property before selling another or covering renovation costs. Bridging loans can provide quick, temporary finance, especially when standard mortgage routes are not viable. We ensure that the loan terms and conditions align with your specific financial situation and objectives.
Securing a commercial mortgage can be a complex process due to stringent lender criteria. However, at Kerr & Watson, we make it easier by acting as your dedicated broker. We identify the lenders that are the best fit for your specific situation and offer you a bespoke solution, ensuring the most competitive rates and terms for your commercial property investment.
At Kerr & Watson, we offer development finance solutions that are specifically designed for property developers. With a large network of specialist lenders, we can find the best-fit funding options for your project, whether it involves land acquisition, refurbishment, or construction. Our professional team will guide you through the entire process, ensuring your project progresses smoothly.
Businesses seeking to unlock cash tied up in their assets can benefit from asset backed lending, providing an efficient means to access capital. Whether it's equipment, property, or receivables, we guide companies through the process of securing funding based on the strength of their assets, helping to improve cash flow and facilitate growth.
Reviews (24)
Marie-Louise Banks
Feb 15, 2026
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Everyone we dealt with Kerr & Watson was highly personably, gave great advice and responded quickly. Dan and team helped make what can feel like a stressful process smooth and enjoyable. I also greatly appreciated their proactive communication with updates on the process. I cant recommend them enough!
Myles Bowman
Feb 12, 2026
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Doina Sacaliuc
Feb 09, 2026
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Kerr&Watson are everything you are looking for in a MA. We felt supported all the way through our home purchasing process. They were available when needed, provided helpful and straightforward advice, got the best offer we could get based on our circumstances and kept us in the loop regarding new rates.
They answer promptly and never let you get anxious about anything, so this has made our purchasing journey much less stressful than it could be. I couldn’t recommend them more.
They answer promptly and never let you get anxious about anything, so this has made our purchasing journey much less stressful than it could be. I couldn’t recommend them more.
Josh Mynard
Jan 12, 2026
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Parisa Borjipour
Dec 01, 2025
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We had an amazing experience with our mortgage broker, Marie. She found us a great deal and found ways to make our application less complicated and much easier to manage. She explained everything clearly and helped simplify what could have been a stressful process.
Andreea also supported the case and helped us throughout the application, which we really appreciated.
I would definitely recommend Kerr & Watson to anyone looking for a mortgage broker.
Andreea also supported the case and helped us throughout the application, which we really appreciated.
I would definitely recommend Kerr & Watson to anyone looking for a mortgage broker.
Delano Greenidge
Nov 17, 2025
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Dale Zeffertt
Nov 09, 2025
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Incredible service. Thanks to the relentless work ethic and expertise of James and the Kerr & Watson team, me and my family are able to buy our first family home.
I’ll recommend them to everyone I know. Despite difficult market conditions they didn’t let us down and came through under difficult circumstances.
They got a customer for life from me.
I’ll recommend them to everyone I know. Despite difficult market conditions they didn’t let us down and came through under difficult circumstances.
They got a customer for life from me.
Alex Howard
Nov 02, 2025
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We cannot thank Kerr and Watson enough for their assistance in our mortgage application. It was genuinely looking like we were not going to be able to get one approved until Stephen stepped in and secured a mortgage for us, after putting considerable time and effort in on our behalf. Following the successful application, Andreea and Stephen have been super helpful, advising us on several matters and recommending other businesses to help with parts of our property purchase. If I could give them 6 starts I would, highly recommend.
Tom Delaney
Sep 19, 2025
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Lindsey Graham
Sep 13, 2025
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We were in search of a specialist broker when in the process of process of purchasing a house with holiday lets meaning our mortgage options were limited. We had already discussed our options with two other brokers who claimed to be specialists in this area. We thought it best to seek a third opinion and that’s when we found Stephen. Having discussed our lending needs and position in detail, Stephen went away and found us the best deal by far. I would highly recommend Kerr and Watson - they have helped us make the process far less stressful and opened up options for us that we didn’t think were available! Thank you Stephen and team. Best wishes to you all - Lindsey and Ben
James Bosson
Aug 13, 2025
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Salvatore Giambrone
Aug 13, 2025
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We had a fantastic experience working with Daniel. From start to finish, the quality of service he provided was exceptional. He was incredibly responsive, always quick to answer our questions and provide updates, which made the entire process smooth and stress-free.
What really stood out was his ability to truly understand our goals and tailor his advice accordingly. He took the time to walk us through every step with patience and clarity, making sure we were comfortable and informed throughout. The guidance he gave was not only practical but also very reassuring.
We’re extremely pleased with the outcome and wouldn’t hesitate to use his services again in the future. Highly recommended!
What really stood out was his ability to truly understand our goals and tailor his advice accordingly. He took the time to walk us through every step with patience and clarity, making sure we were comfortable and informed throughout. The guidance he gave was not only practical but also very reassuring.
We’re extremely pleased with the outcome and wouldn’t hesitate to use his services again in the future. Highly recommended!
Lloyd Auloni
Aug 07, 2025
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Excellent service!!! I can highly recommend Daniel, Matthew and the rest of the team.
I’ve been a property investor for the past 9 years and this is the best brokerage I have come across. I wasted a year going round in circles with a dozen different brokers looking for a simple mortgage product.
Daniel and Matthew just got on with the task at hand, they had secured an offer within days and had the valuation sorted within a week. Mortgage is now complete.
They had a no nonsense approach, both Daniel and Matthew did what they promised, I will be using them again.
Excellent!!!
I’ve been a property investor for the past 9 years and this is the best brokerage I have come across. I wasted a year going round in circles with a dozen different brokers looking for a simple mortgage product.
Daniel and Matthew just got on with the task at hand, they had secured an offer within days and had the valuation sorted within a week. Mortgage is now complete.
They had a no nonsense approach, both Daniel and Matthew did what they promised, I will be using them again.
Excellent!!!
G. M.
Aug 03, 2025
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Sophie Benton
Jun 23, 2025
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Colin Brown
Jun 14, 2025
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Sophie Howard
May 11, 2025
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We have recently used Kerr and Watson for the first time. Both Daniel and Matthew have been absolutely excellent from start to finish. They have made the mortgage process really smooth and have been easy to contact, efficient, courteous and informative. Would definitely use them in the future. Thanks again guys!
Fleur Green
May 07, 2025
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Stephen was absolutely incredible and was able to work not only super quickly but with a case that was not simple. Today I got the keys and could not recommend the company more… professional, kind and amazing at what they do. The biggest thankyou to them would not think twice about only ever using them in future!
Von Mia
Mar 07, 2025
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As a local professional, Stephen and Daniel have been incredibly easy to work with. They make themselves available when needed, are knowledgeable, and keep you informed on the status of transactions rather than chasing for updates. They're personable and actively supporting their customers along the journey!
Terry
Mar 01, 2025
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Stephen Kerr was recommended to us by an adviser in another financial field. We are so pleased. Stephen dealt with our matter professionally, cheerfully, efficiently, patiently and friendly manner. Everything was explained to us succinctly and in plain English. Stephen was keen to ensure that we fully understood everything in the transaction and the implications of it. He and the other members of Kerr & Watson have been wonderful. We can truthfully recommend them.
Hsein Kew
Jan 19, 2025
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We were recommended by our estate agent and we have been in communication with Marie who has been very friendly (spoke to her once on the phone as initial conversation when she was attentive and the rest with emails), quick in answering emails, being patient dealing with our queries and providing us with clear guidance as to what paperwork needed from us. She was professional and didn't put any pressure on us. We successfully secure a joint mortgage. Thank you and happy with the service provided. Price was good too. Highly recommended. The whole experience was stress free.
Steve Mc
Nov 23, 2024
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Struggling to find a mortgage lender from a couple of brokers, an internet search drew a phone call from Stephen Kerr of Kerr & Watson. Stephen was very empathetic and understanding of our situation and obtained the Agreement in Principle.
He and the team during our house bidding process kept us informed and aware. Their communication was excellent and they were very supportive.
Unfortunately we didn’t make the best offer and so in the end didn’t require that mortgage. But the ability to make the offer with the mortgage Stephen had obtained behind us gave us so much more confidence to be in the process.
I can’t recommend Kerr and Watson highly enough up to the application point, and I’m sure based upon that, anything beyond that point would also have been fully supported by them.
We have no hesitation in recommending them and would certainly use them for our next house purchase.
He and the team during our house bidding process kept us informed and aware. Their communication was excellent and they were very supportive.
Unfortunately we didn’t make the best offer and so in the end didn’t require that mortgage. But the ability to make the offer with the mortgage Stephen had obtained behind us gave us so much more confidence to be in the process.
I can’t recommend Kerr and Watson highly enough up to the application point, and I’m sure based upon that, anything beyond that point would also have been fully supported by them.
We have no hesitation in recommending them and would certainly use them for our next house purchase.
Jack Porter
Oct 21, 2024
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From the beginning, Marie guided us through each step, making what could have been a complicated and overwhelming process much easier and stress-free.
She was always available to answer our questions and provided clear explanations whenever needed.
Her responsiveness and expertise truly made a difference, and we felt well taken care of throughout the entire process.
We would highly recommend Marie at Kerr and Watson to anyone looking to start the mortgage process.
She was always available to answer our questions and provided clear explanations whenever needed.
Her responsiveness and expertise truly made a difference, and we felt well taken care of throughout the entire process.
We would highly recommend Marie at Kerr and Watson to anyone looking to start the mortgage process.
Minh Cao
Mar 20, 2024
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I got in touch with Kerr & Watson on recommendation. Both Daniel and Stephen were very responsive and helpful from the first converstaion. They recommended a product that is most suitable for my personal circumstances. Stephen was very professional and hands on with my application. He always responded to my queries very quickly. Overall the process was very smooth. I received my Mortgage In Principle in the same day and my official Mortgage Offer in less than 2 days.