Kerr & Watson

Mortgage Company in Farnborough, Hampshire

At Kerr & Watson, we aim to be more than advisers; we are your reliable partners throughout your financial journey. Our team, which boasts numerous accolades and years of expertise, is deeply embedded in the mortgage and insurance sectors. This gives us the ability to offer expert guidance, no matter the complexity of your financial situation. Whether you are working with mainstream banks or specialised lenders, we are equipped to help you meet your goals with clarity and efficiency.

Our emphasis on communication ensures that you are always kept in the loop. We work around your needs, making sure that the process remains smooth, transparent, and devoid of stress. Whether your focus is on securing a mortgage, choosing the right insurance policy, or exploring options for later-life lending, we make certain that you feel supported at all times. Our commitment to clear advice and exceptional customer care distinguishes us within the industry. Many of our clients return repeatedly, confidently recommending our services to their peers. At Kerr & Watson, we are here to assist you in making well-informed decisions that offer lasting peace of mind and financial security.

Areas Served

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

Business Details

Licensed and insured
Year established: 2023
Number of employees: 7

Highlights & Specialties

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.

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Contact Details

Address

Pembroke House, 8 St. Christophers Place
Farnborough, Hampshire
GU14 0NH

Phone

01252 224620

Driving Directions

Products & Services

First Time Buyer Mortgages

read moreAt Kerr & Watson, we recognise that purchasing your first home can be both thrilling and intimidating. Our team offers expert advice and full market access to help you find the best mortgage for your circumstances. From understanding deposit requirements to securing a suitable lender, we guide you through the process, ensuring a smooth transition into your new home.

Home Mover Mortgages

read moreWhen moving home, you may be uncertain whether to stay with your current mortgage provider or seek a new lender offering more favourable conditions. At Kerr & Watson, well carefully review your existing mortgage and assess the market to ensure you make the most informed decision about your next steps.

Product Transfers

read moreWhen your current mortgage deal concludes, a product transfer allows you to secure a new rate with your existing lender, often without the paperwork involved in a full remortgage. Kerr & Watson is dedicated to reviewing your available options, guiding you through the process, and helping you select the best deal for your circumstances.

Remortgages

read moreWhen considering remortgaging, its essential to weigh your options carefully. Kerr & Watson provides professional, impartial advice, helping you decide whether to stay with your current lender or explore other products available. We ensure that you understand every detail and secure a deal that fits your needs perfectly.

Large Mortgages

read moreFor those seeking larger mortgages, especially for high-value properties or with diverse income structures, Kerr & Watson provides expert assistance. We work across the entire market to find the right lender, whether from high street, private, or specialist lenders, ensuring your mortgage application is handled efficiently and professionally.

Self Employed Mortgages

read moreApplying for a mortgage as a self-employed individual can often seem complicated. At Kerr & Watson, we provide expert advice, ensuring that your income and business structure are presented clearly to potential lenders. Our team will work with you to find a lender that understands your specific circumstances and offers the best terms for your mortgage.

New Build Mortgages

read morePurchasing 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.

Complex Income Mortgages

read moreIf your earnings come from varied sources like bonuses or investment returns, some lenders may struggle to evaluate your financial situation. Kerr & Watson works diligently to understand these complexities and partners with lenders who are comfortable with assessing complex income structures.

Adverse Credit Mortgages

read moreDealing with adverse credit can be challenging, but at Kerr & Watson, we ensure that it doesnt stop you from securing a mortgage. We review your credit history and connect you with lenders that consider your overall financial situation, rather than solely focusing on past credit issues, allowing you to move forward with your mortgage plans.

Foreign National Mortgages

read moreAt 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.

Buy to Let Mortgages

read moreStandard buy-to-let mortgages are ideal for individuals looking to invest in residential properties under their personal name. Kerr & Watson assists in navigating the complexities of lender requirements, including minimum income, age, and rental considerations. Our approach ensures you find a mortgage that fits seamlessly with your long-term investment plans.

Limited Company Buy To Let Mortgages

read moreKerr & Watson assists landlords looking to purchase buy-to-let properties through a limited company structure. We collaborate with your accountant to assess whether this approach provides the most tax-efficient strategy. Our team sources mortgage options from a diverse range of lenders, guiding you through the entire process to ensure your investment is financially sound and advantageous.

Portfolio Landlord Mortgages

read moreIf you own several buy-to-let properties, finding the right mortgage can be challenging. Kerr & Watson is committed to helping portfolio landlords navigate these challenges by offering bespoke advice and connecting you with lenders who specialise in portfolio lending, facilitating seamless access to the right mortgage solutions.

HMO and Multi Unit Mortgages

read moreInvest in HMOs or multi-unit properties with confidence. Kerr & Watson provide expert mortgage advice and access to specialist lenders.

Holiday Let Mortgages

read moreAs more people opt to purchase holiday homes in the UK, Kerr & Watson is here to help you understand and secure the right holiday let mortgage. Our team evaluates your rental income potential and ensures your application aligns with the criteria of lenders who specialise in short-term rental properties.

Expat Mortgages

read moreKerr & Watson offers tailored mortgage solutions for expats seeking to invest in UK property or secure a home abroad. We provide expert advice and access to exclusive lending options, ensuring a smooth journey through international property finance. Let us help you achieve your property goals with confidence and ease.

Bridging Loans

read moreKerr & Watson specialises in providing bridging loans to meet short-term financial demands, helping you secure properties quickly or fund essential renovations. These loans are perfect when you face tight deadlines or require finance for properties that need refurbishment. We assess your circumstances and identify the best options for you, ensuring smooth and efficient access to funds.

Commercial Mortgages

read moreCommercial mortgages are a specialised financial product, with lenders setting strict criteria for eligibility. Some lenders prefer working through brokers, making it difficult for borrowers to access the best deals independently. At Kerr & Watson, we have access to the full commercial mortgage market, ensuring we find the most suitable option for your business needs.

Development Finance

read moreKerr & Watson offers tailored development finance solutions designed to suit your specific project requirements. Through our extensive network of lenders, we help identify the most appropriate financial partners for your development, whether its a construction project, land purchase, or property conversion. We simplify the process for you from start to finish.

Asset Backed Lending

read moreAsset backed lending is a powerful tool for businesses looking to release cash from their existing assets. We work with you to assess your property, equipment, or receivables, and connect you with lenders who offer flexible funding. This service helps businesses improve cash flow and access the capital needed for growth and expansion without losing equity.

Reviews Write a Review

Bomber Read

Mar 14, 2026

We commissioned Stephen Kerr to undertake implementation of a mortgage renewal, as our previous advisor had retired. Stephen was already known to us as a friend of our son, who recommended him.
From an early introduction to our current situation, and possible future plans, Stephen gained a clear understanding of our requirements, and was able to explain what options were available to us. This meeting kick-started a productive ongoing dialogue which ensured that we completed the renewal within the available timescale.
During this process, we were ably assisted by Kerr and Watson’s Matthew Ralph who invariably answered the phone and on many occasions provided answers to our queries without further reference.
In summary, we experienced a very competent and professional performance from this organisation, and we see every reason to come back to Kerr and Watson for our future mortgage related business.

Zelda Prichard

Feb 15, 2026

Excellent service, care, consideration and advice. A big thanks to Matthew who guided me through the whole process, he was always easy to contact, answered all my questions and supported a confident and successful process. I am pleased with my financial product, the cost and the attention to my specific needs. Matthew understood my financial position, my goals and my strategy, nothing ever felt too much for him and It made for a super smooth process. I am going to move forward for my next product. A trusted reliable company!

Jo Busby

Jan 31, 2026

We are extremely grateful for all of the support and advice the team at Kerr & Watson gave to us during our mortgage application process. They made the whole experience smooth and ensured we had all the information we needed right from the start. We felt thoroughly reassured and supported every step of the way, so thank you again for making this a relaxing part of the process for us.

Josh Mynard

Jan 12, 2026

Professional, honest, and incredibly helpful. Bradley made life insurance easy to understand and helped me choose the right coverage with confidence. Highly recommend!

Pmc

Dec 14, 2025

Daniel Watson and his team were incredibly helpful throughout the entire mortgage process. They were knowledgeable, patient, and always quick to answer any questions I had. Their support made what could have been a stressful experience feel smooth and straightforward. I’m truly grateful for their guidance and highly recommend their services to anyone looking for expert mortgage advice!

Parisa Borjipour

Dec 01, 2025

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.

James Brackenborough

Nov 16, 2025

Daniel and his team at Kerr & Watson have been fantastic when supporting my partner and I with our first house purchase. They have been extremely informative and the service has been excellent. I must also mention customer care provided by Andreea has been superb!!

I highly recommend - Thank you!

Bex Clark

Nov 05, 2025

We recently worked with Kerr & Watson to remortgage our UK property while living in Australia, and the experience was nothing short of seamless.

James guided us through every step with clarity, patience, and genuine care… he made what could have been a stressful, time-zone-juggling process feel effortless. Communication was always prompt, transparent, and reassuring.

It’s rare these days to find someone who’s not only exceptional at what they do but is also one of life’s genuinely good people.
James, you’re an absolute legend, thank you for making this so smooth.

Highly recommend Kerr & Watson to anyone looking for honest, professional mortgage advice, wherever you are in the world.

Shazia Sheikh

Nov 03, 2025

We were caught between securing the property we wanted to buy, with a suddenly nervous buyer for the property we were selling - 10 months into the process of course. So we looked to Dan and talked through options like a bridging loan, which meant we were able to proceed with the purchase, and also have time to - if needed - start again with the ssale.Thanks Dan for talking through the options, and being available so quickly.

Yemi Ayeni

Oct 06, 2025

A very competent and swift service, with no defunct or hard to fill online forms. Daniel leads a friendly and helpful team. A pleasure to work with.

Tom Delaney

Sep 19, 2025

Brilliant - Marie went above and beyond to help me remortgage in a tricky situation. Couldn't have done it without her. I'm very happy and can wholeheartedly recommend

Lindsey Graham

Sep 13, 2025

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

William Puttock

Aug 15, 2025

Absolute pleasure to work with! Made the whole process of buying my first house really easy! Helped very step of the way! Will definitely recommend to friends and family!

Salvatore Giambrone

Aug 13, 2025

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!

James Bosson

Aug 13, 2025

Excellent service. Everything was well communicated and I felt confident in my decision as a result. Very fast service too I felt like a priority. I would recommend and use Kerr and Watson again

Emma Nash

Aug 08, 2025

Stephen was informative and responsive from the outset. He explained our various options and got our application together very quickly. We would not hesitate to recommend Stephen and his team.

G. M.

Aug 03, 2025

Stephen and the team went the extra mile when we needed to fix our mortgage for another term. Extremely professional, very friendly service. Highly recommended 😀. 100% satisfied. …

Mohammad Javad Shojaei

Jul 16, 2025

I recently worked with Stephen and Andreea from Kerr & Watson to remortgage my bridging loan, and I couldn't be happier with the service I received. They were incredibly helpful, responsive, and always available to answer my questions—no matter the time. The entire process was smooth and stress-free thanks to their professionalism and support. I highly recommend their services and will definitely be using them again in the future. Thank you both for making everything so easy!

Sophie Benton

Jun 23, 2025

Marie at Kerr and Watson was amazing. She helped us with a very complicated situation , that another broker elsewhere couldn't. Marie's help , communication and knowledge all along ,was invaluable .I wouldn't hesitate to recommend her

Fleur Green

May 07, 2025

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

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!

Hsein Kew

Jan 19, 2025

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

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.

Michela Iodice

Oct 18, 2024

Stephen and his team are absolutely wonderful. They helped me obtaining a mortgage and the process was quick and painless. I expected to encounter many difficulties due to my personal circumstances, but they took time to understand my problem and found a perfect solution for me and to my surprise, it was all sorted within a week! I would reccomend them to anyone that needs financial advice, they are faultless. Thank you so much for your service!

Key People

Stephen Kerr

Director

read moreStephen Kerr is an experienced mortgage and protection consultant with over a decade in the financial services industry.

As a Director and Co-Founder of Kerr & Watson, Stephen oversees a directly authorised mortgage and insurance brokerage that offers bespoke advice for various property and financial needs.

Daniel Watson