Kerr & Watson is a reputable, award-winning, independent mortgage and insurance broker, authorised by the Financial Conduct Authority. Based in Hampshire, we provide expert whole-of-market advice across the counties of Hampshire, Berkshire, and Surrey. Our extensive portfolio includes over 200 five-star client reviews, reflecting our commitment to offering personalised service. We pride ourselves on our strong relationships with both high street lenders and specialist insurers, enabling us to secure the most appropriate mortgage and insurance policies tailored to your needs. Our advice is always individualised, ensuring the best possible solution based on your personal situation.
Whether you're a first-time buyer, a seasoned investor, or looking for a bespoke insurance policy, we offer a comprehensive range of services. Our residential mortgages are designed to assist with your first home or your forever property. If you're considering buy-to-let or commercial lending, we provide tailored advice to suit your specific requirements. Our later life lending advice ensures that you can enjoy your retirement with financial peace of mind. At Kerr & Watson, we are committed to providing clear, effective communication and expert advice throughout the entire process.
Whether you're a first-time buyer, a seasoned investor, or looking for a bespoke insurance policy, we offer a comprehensive range of services. Our residential mortgages are designed to assist with your first home or your forever property. If you're considering buy-to-let or commercial lending, we provide tailored advice to suit your specific requirements. Our later life lending advice ensures that you can enjoy your retirement with financial peace of mind. At Kerr & Watson, we are committed to providing clear, effective communication and expert advice throughout the entire process.
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
At 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.
For homeowners looking to move, the financial requirements can change, especially when considering property value increases or changes in personal income. Kerr & Watson assesses your financial situation comprehensively, offering insights into the borrowing potential available to you and the most suitable lenders for your needs.
At Kerr & Watson, we aim to simplify the process of switching your mortgage rate. By carefully evaluating the available product transfers, we ensure that you are presented with the most appropriate options based on your current lender's offerings and the broader market. We make this process straightforward and tailored to your needs.
If you are thinking about remortgaging, Kerr & Watson offers expert advice on the best options available in the market. Our team works diligently to understand your financial goals, review your current mortgage, and compare deals, ensuring that you are fully informed and confident in securing the most competitive remortgage available.
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 helping self-employed clients navigate the complexities of securing a mortgage. By carefully reviewing your business and income structure, we identify lenders who understand your specific situation. Whether you're struggling to find a suitable lender or unsure about the assessment process, we provide expert guidance throughout.
Whether you are purchasing a house or an apartment, we are committed to providing clear, professional advice on new build mortgages. From understanding how developer incentives affect your loan to meeting tight exchange deadlines, Kerr & Watson offers tailored solutions to simplify your home-buying journey.
Facing adverse credit doesn’t mean you cannot secure a mortgage. At Kerr & Watson, we take the time to understand your specific circumstances and identify lenders who are open to applicants with a history of missed payments or defaults. Our tailored approach ensures that you’re matched with the right mortgage solution.
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.
At Kerr & Watson, we offer expert guidance on standard buy-to-let mortgages, particularly for clients with residential investment properties. With differing lender criteria across age, income, and property types, we utilise our extensive knowledge to recommend the most appropriate products tailored to your investment goals and financial circumstances.
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.
If 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.
Kerr & Watson can assist in securing the right mortgage for your holiday let property. Whether you're looking for short-term rental income or using the property personally, we offer expert advice on lender assessments, rental income projections, and the application process to ensure your investment is successful.
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.
Our team at Kerr & Watson understands that property development often requires significant capital. We provide expert advice and access to the best lenders, ensuring your project receives the funding it requires. From identifying appropriate lenders to structuring the finance, we work with you to make your development project a reality.
Businesses seeking to unlock cash tied up in their assets can benefit from asset backed lending, providing an efficient means to access capital. Whether it's equipment, property, or receivables, we guide companies through the process of securing funding based on the strength of their assets, helping to improve cash flow and facilitate growth.
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
Report
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!
Myles Bowman
Feb 12, 2026
Report
Jo Busby
Jan 31, 2026
Report
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
Report
Pmc
Dec 14, 2025
Report
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
Report
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
Report
Delano Greenidge
Nov 17, 2025
Report
James Brackenborough
Nov 16, 2025
Report
Alex Howard
Nov 02, 2025
Report
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
Report
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
Report
James Bosson
Aug 13, 2025
Report
Emma Nash
Aug 08, 2025
Report
Colin Brown
Jun 14, 2025
Report
Usman Malik
May 18, 2025
Report
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!
Sophie Howard
May 11, 2025
Report
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
Report
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
Report
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
Report
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!
Steve Mc
Nov 23, 2024
Report
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
Report
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
Report
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!
Minh Cao
Mar 20, 2024
Report
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.