At Kerr & Watson, we take pride in being more than just advisers; we are your trusted partners throughout your financial journey. With a team that is both award-winning and highly experienced, we combine extensive knowledge with robust relationships across the mortgage and insurance industries. This unique combination allows us to deliver expert, tailored solutions that meet your specific requirements, regardless of the complexity of your situation. From dealing with high street lenders to securing niche products from specialist providers, we use our expertise and connections to help you reach your goals with confidence and efficiency.
Communication is central to the way we work. We ensure that you are informed at every stage of the process, keeping things smooth, transparent, and free from unnecessary stress. Whether you're arranging a mortgage, finding the right insurance cover, or considering options for later-life lending, we offer consistent support, empowering you to make decisions with clarity. Our reputation for professionalism and trust has led to many clients returning to us time and time again, recommending our services to others. At Kerr & Watson, we are committed to helping you make informed financial decisions that secure both your present and future.
Communication is central to the way we work. We ensure that you are informed at every stage of the process, keeping things smooth, transparent, and free from unnecessary stress. Whether you're arranging a mortgage, finding the right insurance cover, or considering options for later-life lending, we offer consistent support, empowering you to make decisions with clarity. Our reputation for professionalism and trust has led to many clients returning to us time and time again, recommending our services to others. At Kerr & Watson, we are committed to helping you make informed financial decisions that secure both your present and 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
Securing a mortgage as a first-time buyer can be overwhelming, but Kerr & Watson is here to help. We provide a tailored approach, considering your financial situation, deposit availability, and eligibility. With access to the entire mortgage market, we identify the best options for you, ensuring that you make well-informed decisions that support your homeownership goals.
Navigating the home-moving process can seem overwhelming, particularly when managing the complexities of selling and buying simultaneously. Our team at Kerr & Watson is here to simplify the mortgage journey, helping you secure the best deal by thoroughly reviewing your mortgage options and ensuring a smooth transition to your new property.
Choosing a product transfer offers you an efficient way to switch to a competitive rate with your existing lender. Our team at Kerr & Watson invests time in understanding your financial situation to recommend the most suitable option for your needs. We ensure that the transfer process is clear and easy to navigate.
At Kerr & Watson, our remortgage service focuses on offering clients the best possible deals by considering their specific needs and financial position. Whether you’re looking to secure a better rate or raise funds, we provide tailored recommendations and expert advice to ensure a smooth and efficient remortgaging process.
If you're struggling to find a lender for a large mortgage, Kerr & Watson can help. We liaise with a wide range of lenders, including high street banks and private institutions, to ensure you find the right fit. Our team is experienced in securing large loans for those with complex income structures, providing a streamlined approach from start to finish.
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.
For those with intricate income structures or uncommon occupations, Kerr & Watson offers a tailored approach. We assess how your income is generated, its sustainability, and identify lenders with experience in managing such cases. Our goal is to simplify the mortgage process and secure the best outcome for you.
If you’ve experienced credit issues in the past, it may seem like getting a mortgage is out of reach. However, Kerr & Watson specialises in helping those with adverse credit histories. We thoroughly review your financial circumstances and guide you to the right lenders, ensuring that your credit challenges won’t stand in your way.
Kerr & Watson offers tailored advice for foreign nationals looking to buy or refinance property in the UK. With our comprehensive understanding of lender requirements and your specific circumstances, we can guide you to the most appropriate mortgage options, even if you're unsure where to start or which lenders accept foreign applicants.
For those purchasing or remortgaging buy-to-let properties, we offer comprehensive support to ensure you secure the best deal. With differing lender criteria, it can be difficult to identify the most suitable option. At Kerr & Watson, we assess your needs and recommend the best mortgage solutions based on your individual financial profile.
With a wealth of experience in limited company buy-to-let mortgages, Kerr & Watson provides expert guidance on securing the best deals. We work alongside your accountant to evaluate the potential tax savings and assess whether this is the best option for your circumstances. Our extensive lender network allows us to find suitable products, even those not available on the high street.
Managing multiple buy-to-let properties requires careful consideration of lender criteria. Kerr & Watson works closely with banks and exclusive lenders to provide portfolio landlords with expert advice and access to specialised mortgage products, ensuring that your portfolio continues to grow with the right financial support.
Kerr & Watson offers comprehensive support for individuals interested in holiday let mortgages. Whether you're renting out a property on platforms like Airbnb or simply seeking a second home for occasional use, our experts will guide you through the requirements and help secure a mortgage that suits your investment goals.
If you’re an expat looking to invest in property or secure a home in the UK, Kerr & Watson’s services are crafted to support you. With extensive experience in handling expat mortgage applications, we help you assess your income structure and find lenders who are comfortable offering mortgages to those living abroad.
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.
Navigating the commercial mortgage landscape can be challenging due to strict lending criteria. Many lenders only work with brokers, meaning direct applications may limit your opportunities. Kerr & Watson’s expertise allows us to match you with the right lenders and secure the best financing solutions tailored to your business requirements and property type.
Kerr & Watson is dedicated to helping property developers secure funding for their projects, no matter the scale. We leverage our vast network of specialist lenders to match you with the right financial solutions, whether for construction, land purchases, or conversions. Our expert guidance ensures a smooth financing experience from start to finish.
For companies unable to secure traditional funding due to profit or credit limitations, asset backed lending offers a viable alternative. By focusing on the value of your assets, this form of finance provides an opportunity for quick access to funds. Kerr & Watson supports businesses in presenting their applications to specialist lenders for seamless financing solutions.
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)
Bomber Read
Mar 14, 2026
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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.
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.
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!
Halima Valli
Feb 13, 2026
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Jo Busby
Jan 31, 2026
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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.
Becky Frankland
Jan 20, 2026
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Liam Allen
Jan 12, 2026
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A huge thank you to the team at Kerr+Watson. I'm new to the mortgage/property investment world and Daniel and Matthew have been so good at explaining everything to me, giving me all the options and being proactive in replies to all my questions. Matthew took care of my own remortgage in an efficient and friendly manner and is now my go to for investment property mortgages. I would highly recommend them.
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.
Louise Handley
Nov 23, 2025
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Delano Greenidge
Nov 17, 2025
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James Brackenborough
Nov 16, 2025
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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.
Bryony Weare
Oct 06, 2025
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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
Emma Nash
Aug 08, 2025
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Sophie Benton
Jun 23, 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!
Luke Gillett
Jan 01, 2025
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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.
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.
Michela Iodice
Oct 18, 2024
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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
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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.
Laura
Sep 03, 2024
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Daniel and Matthew have been super responsive and quick to act for us. They were fantastic at handling everything and went above and beyond to secure us a good deal for our particular circumstances. Would highly recommend to anyone in need of capable, friendly and productive brokers.
Thanks again!
Laura and Dan.
Thanks again!
Laura and Dan.
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.