Bespoke Mortgage and Insurance Advice
At Kerr & Watson, we view ourselves not just as advisers, but as trusted partners in your financial journey. Our award-winning team brings years of expertise and an extensive network within the mortgage and insurance industries to offer solutions that meet your unique needs. From mainstream lenders to specialist providers, we utilise our knowledge and relationships to help you confidently achieve your financial objectives, no matter how intricate the circumstances may be.Effective communication lies at the heart of our service, ensuring that you are kept informed at every step. We adapt to your schedule, guaranteeing a smooth, transparent, and stress-free process. Whether you are securing a mortgage, finding the ideal insurance policy, or considering later-life lending, we are committed to providing consistent support, enabling you to remain in control. The trust and professionalism we cultivate with our clients have earned us a strong reputation, with many returning for our services and recommending us to others. Kerr & Watson is dedicated to empowering you to make decisions that ensure financial security, stability, and peace of mind for 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
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
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.
If you are unsure whether to keep your existing mortgage or apply for a new one when moving, Kerr & Watson is here to guide you. We will review your current mortgage terms and explore options that may be more beneficial, ensuring you make the best choice and move with confidence into your next property.
When 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.
When considering remortgaging, it’s 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.
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.
Applying 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.
At Kerr & Watson, we believe everyone deserves a second chance. If past financial difficulties are impacting your ability to secure a mortgage, we can help. Our team reviews your credit profile and connects you with lenders who are more flexible with adverse credit applicants, making the mortgage process accessible to you again.
For foreign nationals seeking to purchase property in the UK, Kerr & Watson provides expert guidance. We take the time to understand your visa type and financial situation, then work with lenders who are more flexible in their criteria, ensuring a higher chance of securing the mortgage you need for your property aspirations.
Standard 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.
When it comes to purchasing buy-to-let properties through a limited company, Kerr & Watson offers a comprehensive service. We work closely with your accountant to explore tax benefits and provide mortgage solutions tailored to your specific needs. With access to both high street and specialist lenders, we ensure that you get the best terms available in the market.
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.
Bridging loans are a practical solution for those requiring fast access to funds, whether for auction purchases or property renovations. At Kerr & Watson, we provide clear guidance on loan terms, helping you understand the costs, potential interest, and exit strategies. Our team ensures that you have the right finance solution for your property needs, tailored to your unique situation.
The application process for commercial mortgages can be intricate, with lenders setting high standards. Kerr & Watson simplifies the process by offering tailored advice and identifying lenders whose criteria align with your business goals. With our extensive market knowledge, we ensure your commercial mortgage application is handled efficiently and successfully, providing you with the best financing options.
At Kerr & Watson, we specialise in securing development finance solutions for projects of any size. Our extensive network of lenders ensures that we can find the most suitable funding options for your development needs. Whether it's land acquisition, construction, or refurbishment, we're here to support you every step of the way.
Asset backed lending is an ideal solution for businesses facing cash flow challenges, rapid growth, or seasonal fluctuations. By using assets like property or equipment as collateral, businesses can access flexible funding without relying on traditional credit criteria. At Kerr & Watson, we assist clients in finding the right lenders and structuring a tailored finance package.
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
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
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
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.
Becky Frankland
Jan 20, 2026
Liam Allen
Jan 12, 2026
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
Louise Handley
Nov 23, 2025
Delano Greenidge
Nov 17, 2025
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.
Yemi Ayeni
Oct 06, 2025
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
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
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!
Lloyd Auloni
Aug 07, 2025
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!!!
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!
Usman Malik
May 18, 2025
We had an amazing experience with Kerr & Watson Mortgage Brokers and couldn’t be more grateful for the help we received from Daniel, Matthew, and Andreea.
As first-time buyers, we were unsure about the mortgage process and had a lot of questions. Daniel guided us through the initial steps with patience and clarity, making sure we understood everything from the start. When our first house fell through, the whole team was quick to jump back in and help us secure a mortgage for the new property without missing a beat.
Throughout the entire journey, communication was spot on. We were always able to get in touch when we needed to and never had to chase for updates—something we really appreciated during such a stressful time. Their responsiveness and professionalism gave us so much confidence in the process.
We honestly can’t imagine using anyone else in the future. Kerr & Watson will be our first and only call. Highly recommend them to anyone looking for a reliable and supportive mortgage broker!
As first-time buyers, we were unsure about the mortgage process and had a lot of questions. Daniel guided us through the initial steps with patience and clarity, making sure we understood everything from the start. When our first house fell through, the whole team was quick to jump back in and help us secure a mortgage for the new property without missing a beat.
Throughout the entire journey, communication was spot on. We were always able to get in touch when we needed to and never had to chase for updates—something we really appreciated during such a stressful time. Their responsiveness and professionalism gave us so much confidence in the process.
We honestly can’t imagine using anyone else in the future. Kerr & Watson will be our first and only call. Highly recommend them to anyone looking for a reliable and supportive mortgage broker!
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.
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
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.
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.
Laura
Sep 03, 2024
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.
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.
Minh Cao
Mar 20, 2024
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.