Business Details
3 Years
experience
Bespoke Mortgage and Insurance Advice
We’re more than just advisers; we’re trusted partners in your financial journey. Ouraward-winning team combines years of experience with strong relationships across the
mortgage and insurance industries. This enables us to deliver expert solutions, regardless of
the complexity of your circumstances. From high street lenders to specialist providers, we
use our knowledge and connections to help you achieve your goals confidently and
efficiently.
Communication is at the heart of what we do. We work around your schedule and keep you
informed every step of the way, ensuring the process is smooth, transparent, and
stress-free. Whether it’s arranging a mortgage, finding the right insurance policy, or exploring
later-life lending options, we ensure you always feel supported and in control. Our
commitment to clarity and customer care is what sets us apart from others in the industry.
At our core, we believe that great advice is built on trust, understanding, and
professionalism. That’s why so many of our clients return to us time and time again,
recommending our services to friends and family. We’re proud of the reputation we’ve built
and the results we deliver. At Kerr & Watson, we’re here to help you make informed financial
decisions that provide security, stability, and peace of mind today and 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 mortgage and insurance expertise.
- Our FCAregulated status ensures strict compliance and client protection.
- We hold over 200 fivestar client reviews across the region.
- Our wholeofmarket approach accesses specialist lenders for any case.
- We have awardwinning service recognised by industry bodies.
Payment methods
- Cash
- Debit cards
- Credit cards
Services
Residential Mortgages
We assist firsttime buyers and home movers in securing residential mortgages tailored to their financial circumstances. Our wholeofmarket access allows us to compare offers from highstreet banks and specialist lenders. Clients benefit from competitive rates, transparent fees and a smooth process from enquiry to completion.
Buy To Let
We provide mortgage solutions for firsttime landlords and seasoned investors seeking buytolet properties. Our expertise navigates complex eligibility rules and landlord insurance requirements effectively. The result is a tailored financing package that maximises rental yield and protects the investment significantly.
Bridging Loans
We arrange shortterm bridging loans for clients needing rapid financing for property purchases or developments. Our relationships with specialist lenders secure competitive rates and flexible repayment terms. Clients gain immediate access to funds, enabling timely transactions and avoiding costly delays.
Insurance
We offer comprehensive life, critical illness, income protection and private medical insurance tailored to individual needs. Our partnership with leading providers ensures competitive premiums and extensive cover options. Customers receive clear policy explanations and ongoing support throughout any claim process.
Later Life Lending
We provide specialist lending solutions for retirees seeking to fund their lifestyle or support family. Our advice considers pension income, existing assets and affordability to secure appropriate products. Clients benefit from flexible terms, transparent costs and peace of mind in their retirement years.
Reviews (24)
Halima Valli
Feb 13, 2026
Report
Kerr & Watson have been extremely professional. I was dealing with Marie who was very helpful, knowledgeable and provided me with all the advice and guidance I needed for my mortgage process. Highly recommend!
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.
Becky Frankland
Jan 20, 2026
Report
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
Josh Mynard
Jan 12, 2026
Report
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
Report
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
Report
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.
James Brackenborough
Nov 16, 2025
Report
Daniel and his team at Kerr & Watson have been fantastic when supporting my partner and I with our first house purchase. They have been extremely informative and the service has been excellent. I must also mention customer care provided by Andreea has been superb!! I highly recommend - Thank you!
Yemi Ayeni
Oct 06, 2025
Report
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.
Tom Delaney
Sep 19, 2025
Report
Brilliant - Marie went above and beyond to help me remortgage in a tricky situation. Couldn't have done it without her. I'm very happy and can wholeheartedly recommend
Lindsey Graham
Sep 13, 2025
Report
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
William Puttock
Aug 15, 2025
Report
Absolute pleasure to work with! Made the whole process of buying my first house really easy! Helped very step of the way! Will definitely recommend to friends and family!
Salvatore Giambrone
Aug 13, 2025
Report
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!
James Bosson
Aug 13, 2025
Report
Excellent service. Everything was well communicated and I felt confident in my decision as a result. Very fast service too I felt like a priority. I would recommend and use Kerr and Watson again
G. M.
Aug 03, 2025
Report
Stephen and the team went the extra mile when we needed to fix our mortgage for another term. Extremely professional, very friendly service. Highly recommended . 100% satisfied.
Mohammad Javad Shojaei
Jul 16, 2025
Report
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
Report
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!
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!
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!
Terry
Mar 01, 2025
Report
Stephen Kerr was recommended to us by an adviser in another financial field. We are so pleased. Stephen dealt with our matter professionally, cheerfully, efficiently, patiently and friendly manner. Everything was explained to us succinctly and in plain English. Stephen was keen to ensure that we fully understood everything in the transaction and the implications of it. He and the other members of Kerr & Watson have been wonderful. We can truthfully recommend them.
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 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
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.
Aled Morris
Aug 13, 2024
Report
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
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.
Hannah McGoldrick
Jan 17, 2024
Report
We used Kerr & Watson to help us secure our mortgage and we couldn't have had a better experience. Stephen and Chloe were so helpful during the whole process and really pushed for the best deal for us even when our lender proved to be especially difficult. They were super responsive and took the time to explain anything we didn't understand. They really helped make a rather daunting task a lot easier to manage. Would highly recommend!