Business Details
3 Years
experience
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
Details
- Year established: 2023
- Employees: 7
- Licensed
- Insured
Highlights and features
- We have decades of combined experience in mortgage and insurance advice
- We provide whole-of-market advice, giving our clients access to a wide range of lenders and insurers
- We take the time to understand each client's circumstances, providing tailored advice and clear communication
- We have strong industry relationships with high street providers, specialist lenders, and insurers
- We are committed to delivering exceptional service and building long-term relationships with our clients
Payment methods
- Cash
- Debit cards
- Credit cards
Services
Residential Mortgages
We help first-time buyers and home movers secure suitable mortgage advice. Our team has extensive knowledge of the mortgage market, and we work closely with our clients to understand their needs. We provide clear and concise guidance, ensuring that our clients make informed decisions about their mortgage.
Buy To Let Mortgages
We offer expert advice on buy-to-let mortgages, helping landlords and property investors secure the right mortgage for their needs. Our team has a deep understanding of the buy-to-let market, and we work closely with our clients to ensure that they receive the best possible guidance.
Bridging And Commercial Mortgages
We provide short-term finance solutions for clients who need to secure a mortgage quickly. Our team has extensive experience in bridging and commercial mortgages, and we work closely with our clients to ensure that they receive the right finance for their needs.
Insurance
We offer a range of insurance products, including life insurance, critical illness cover, and income protection. Our team has a deep understanding of the insurance market, and we work closely with our clients to ensure that they receive the right protection for their needs.
Later Life Lending
We provide expert advice on later life lending, helping clients secure the right finance for their retirement needs. Our team has extensive knowledge of the later life lending market, and we work closely with our clients to ensure that they receive the best possible guidance.
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 Watsons 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.
During this process, we were ably assisted by Kerr and Watsons 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!
Myles Bowman
Feb 12, 2026
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Terrific experience, a quick phone call with Bradley who gave me all the information I needed and was covered with insurance within hours. Highly recommend!
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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Marie & Andreea have been fantastic! So friendly and patient, and even though we agreed a rate a few months ago, they kept checking weekly, and got us an even better rate just before we completed on our new mortgage. Thank-you so much
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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Professional, honest, and incredibly helpful. Bradley made life insurance easy to understand and helped me choose the right coverage with confidence. Highly recommend!
Louise Handley
Nov 23, 2025
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Daniel, Matthew and team have been brilliant, very efficient and even contacted me to let me know they might be able to get a better rate if I was happy for them to reapply, which has saved me another 300 per year. Highly recommend.
Delano Greenidge
Nov 17, 2025
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I can't fault their service. James walked me through my limited company BTL mortgage, and found a lender willing to work with my specific circumstances. Kept me informed all the way. Highly recommend.
Bex Clark
Nov 05, 2025
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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. Its rare these days to find someone whos not only exceptional at what they do but is also one of lifes genuinely good people.
James, youre 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. Its rare these days to find someone whos not only exceptional at what they do but is also one of lifes genuinely good people.
James, youre 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
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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.
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
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 thats 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 didnt think were available! Thank you Stephen and team. Best wishes to you all - Lindsey and Ben
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 didnt think were available! Thank you Stephen and team. Best wishes to you all - Lindsey and Ben
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.
Were extremely pleased with the outcome and wouldnt hesitate to use his services again in the future. Highly recommended!
Were extremely pleased with the outcome and wouldnt 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.
Ive 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!!!
Ive 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
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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 questionsno 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
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We had an amazing experience with Kerr & Watson Mortgage Brokers and couldnt 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 updatessomething we really appreciated during such a stressful time. Their responsiveness and professionalism gave us so much confidence in the process. We honestly cant 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!
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 updatessomething we really appreciated during such a stressful time. Their responsiveness and professionalism gave us so much confidence in the process. We honestly cant 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
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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 didnt make the best offer and so in the end didnt 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 cant recommend Kerr and Watson highly enough up to the application point, and Im 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.
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 cant recommend Kerr and Watson highly enough up to the application point, and Im 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.
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.
Laura and Dan.
Aled Morris
Aug 13, 2024
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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
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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.