Bespoke Mortgage and Insurance Advice
At Kerr & Watson, we see ourselves not only as advisers but as trusted partners who guide you on your financial journey. Our award-winning team combines vast experience with strong connections in the mortgage and insurance industries. This allows us to deliver effective, expert solutions tailored to your specific needs, no matter how complex they may be. Whether you're dealing with mainstream lenders or niche financial institutions, we leverage our expertise and relationships to help you confidently achieve your goals.
Communication is key to our approach, and we work closely with you to ensure a smooth, transparent, and stress-free process. We adapt to your schedule and keep you informed every step of the way. Whether it involves arranging a mortgage, finding the right insurance policy, or exploring later-life lending solutions, we provide continuous support, ensuring you feel in control at all times. The trust we build with our clients, combined with our commitment to professionalism and care, is why many choose to return to us and recommend our services. At Kerr & Watson, we are dedicated to helping you make sound financial decisions that offer security and peace of mind for the long term.
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
Business 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
Embarking on the journey to homeownership is both exciting and challenging, especially for first-time buyers. Kerr & Watson offers expert advice on securing your first mortgage, from evaluating your financial profile to exploring deposit options. We assist you at each stage, helping you make confident, informed decisions while ensuring the process is smooth and straightforward.
The decision to either port your existing mortgage or switch to a new one can be difficult when moving home. Kerr & Watson takes the time to understand your circumstances, compare potential mortgage solutions across the market, and provide tailored advice that enables you to make a well-informed choice for your next move.
A product transfer allows you to maintain your relationship with your current lender while adjusting to better mortgage terms. At Kerr & Watson, we offer personalised assistance to guide you through the decision-making process, ensuring that your transfer meets both your immediate and long-term financial goals. We aim to make your experience as simple and beneficial as possible.
Our expert team at Kerr & Watson assists clients in securing the best remortgage deals, whether you wish to improve your rate, raise funds, or simply review your options. We guide you through every step of the process, ensuring you make a well-informed choice that suits your financial requirements and long-term goals.
Kerr & Watson specialise in securing large mortgages for clients with diverse income streams. Whether your income comes from dividends, rental income, or other sources, we work with a variety of lenders to structure your application appropriately. Our extensive experience ensures your mortgage journey is as smooth and efficient as possible.
Kerr & Watson understands that securing a mortgage as a self-employed individual can be daunting. We offer personalised support to help you present your financial documents in a way that lenders can easily assess. Our team is committed to finding lenders who recognise the strength of your self-employed income, whether you’re a contractor, sole trader, or company director.
We understand the complexities involved in securing a mortgage for a new build property, particularly when builder incentives are offered. Our experts are here to help you understand how these incentives could impact your mortgage, ensuring you are fully informed and well-positioned to obtain approval.
At Kerr & Watson, we recognise that every financial situation is unique. If your income is derived from multiple sources or is more complex in nature, we ensure that we find a lender who fully understands your specific needs. We carefully assess your financial circumstances and match you with the most suitable mortgage provider.
At Kerr & Watson, we understand that life events such as divorce or illness can sometimes lead to missed mortgage payments. If you are concerned that adverse credit could prevent you from obtaining a mortgage, we will carefully assess your situation. We then match you with lenders who are more understanding of applicants with past credit difficulties.
Securing a mortgage as a foreign national may seem daunting, but at Kerr & Watson, we simplify the process. Our dedicated team works with both mainstream and specialist lenders to provide solutions that suit your individual financial profile and visa status, ensuring a smooth path to homeownership or property investment in the UK.
For those purchasing or remortgaging a buy-to-let property, our standard buy-to-let mortgages are an ideal solution. Understanding each lender's unique criteria is crucial. Kerr & Watson leverages its experience to guide you towards the best financial option, ensuring that your chosen product aligns with your investment objectives.
As a trusted buy-to-let mortgage broker, we offer tailored advice on purchasing buy-to-let properties through a limited company or SPV. We collaborate with your accountant to provide comprehensive tax-saving solutions and guidance. With our industry knowledge, we identify the most suitable lenders and guide you through the application process to secure the best possible terms.
Owning a portfolio of buy-to-let properties can complicate your borrowing options, but Kerr & Watson is here to assist. Our expert advisors work closely with you to assess your entire portfolio and secure financing from lenders that are experienced in dealing with portfolio landlords, offering more flexible terms and conditions.
Invest in HMOs or multi-unit properties with confidence. Kerr & Watson provide expert mortgage advice and access to specialist lenders.
If you’re looking to purchase a holiday home and generate income by renting it out, Kerr & Watson can assist you in finding a tailored mortgage solution. We help navigate the complexities of holiday let mortgages, including rental income assessments and lender-specific criteria, to make the process easier for you.
Kerr & Watson specialise in helping expatriates navigate the complexities of securing a mortgage for property investments in the UK. Whether earning abroad or investing from overseas, we connect you with lenders who understand the challenges faced by expats. Our bespoke approach guarantees that you receive the most suitable mortgage advice and financing options.
Bridging loans offer short-term financial solutions, bridging the gap between property transactions or securing necessary funds. These loans are ideal for fast property purchases or for properties that need significant renovations before a standard mortgage is feasible. At Kerr & Watson, we ensure bridging loans are tailored to your individual needs, helping you navigate your financial options with ease.
Commercial mortgages are not always straightforward, with lenders applying strict eligibility criteria. Many only deal through brokers, meaning direct applications can limit your options. Kerr & Watson provides expert support, researching the market and recommending a tailored solution, allowing you to secure the commercial mortgage that best suits your business and property needs.
Whether you are a seasoned developer or embarking on your first project, Kerr & Watson is here to help. With our deep connections within the lending industry, we can secure the right development finance for any project. We provide clear guidance through each stage, from securing planning permission to managing funding releases as the build progresses.
Unlock the potential of your business assets with asset backed lending. This financing solution enables companies to release funds tied up in property, stock, or invoices. We help businesses navigate the process, from asset valuation to identifying lenders, ensuring they receive the necessary working capital for day-to-day operations or future expansion.
People
Stephen Kerr
Director
Stephen 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.
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
Director
Daniel Watson is a distinguished mortgage professional with over 15 years of industry experience. As a co-founder and director of Kerr & Watson, Daniel has played a pivotal role in shaping the firm into a leading independent mortgage and insurance brokerage. Kerr & Watson is renowned for offering bespoke advice across a wide range of services, including high net worth lending, mortgages for self-employed individuals, life insurance, income protection, and more.
Reviews (24)
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!
Marie-Louise Banks
Feb 15, 2026
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
Doina Sacaliuc
Feb 09, 2026
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.
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
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.
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.
Alex Howard
Nov 02, 2025
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.
Bryony Weare
Oct 06, 2025
We were recommended to work with Marie as first time buyers after previously speaking to several other mortgage advisers that left a lot to be desired! Since being put in contact with Marie and Andreea we couldn't have been happier! Everything was explained very clearly in a friendly and approachable manner with supportive advice at multiple steps of our challenging buying process. Marie and Andreea were a god send and we can not recommend them enough. They made this process really special and we thank them both for all of their help from the bottom of our hearts
William Puttock
Aug 15, 2025
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!
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!
G. M.
Aug 03, 2025
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
Colin Brown
Jun 14, 2025
Sophie Howard
May 11, 2025
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
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!
Laura Allen
Jan 12, 2025
I had my mortgage renewed with Dan at Kerr and Watson and he was really helpful. He advised the best thing for me to do as I am a new business owner and this means different things from when I was employed. He talked me through the process and it made everything so much easier than when I was looking at it on my own. Thanks Dan!
Luke Gillett
Jan 01, 2025
I cannot thank Matt enough for his patience, empathy and guidance every step of the way. As a first time buyer, with so many unknowns, Matt was the perfect fit. Thank you for your availability and willingness to message or call at short notice, this gave me assurance and enhanced the buying experience. I highly recommend Kerr & Watson for all your mortgage needs.
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!
Ronman
Sep 23, 2024
We have been absolutely delighted with the professional service provided by Kerr & Watson. It is so nice to deal with a company that knows how to provide the personal touch often missing from the big online brokers. A special shout out to Marie, whose regular emails ensured we were always kept updated on our Mortgage application progress. Highly recommended this excellent local firm. Thank you.
Aled Morris
Aug 13, 2024
Great experience!
Stephen was incredibly professional, knowledgeable, and attentive throughout the entire process. Our application was not straightforward, having relocated to the UK after 20 years overseas, but Stephen went above and beyond to guide us through every challenge. He made everything stress-free, providing clear guidance, quick responses, and detailed explanations, all while showing a genuine interest in ensuring we got the best possible outcome.
Highly recommended.
Stephen was incredibly professional, knowledgeable, and attentive throughout the entire process. Our application was not straightforward, having relocated to the UK after 20 years overseas, but Stephen went above and beyond to guide us through every challenge. He made everything stress-free, providing clear guidance, quick responses, and detailed explanations, all while showing a genuine interest in ensuring we got the best possible outcome.
Highly recommended.