Bespoke Mortgage and Insurance Advice
We’re more than just advisers; we’re trusted partners in your financial journey. Our
award-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
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
Expert first-time buyer mortgage advice to help you secure your first home with confidence.
Home mover mortgages made simple. Get expert advice on porting, deposits and borrowing more with Kerr & Watson.
Switch your mortgage deal with ease. Kerr & Watson provide expert product transfer advice to help you secure a better rate with your current lender.
Remortgage with confidence. Kerr & Watson provide expert advice to help you secure a better rate, reduce payments, or release equity from your home.
Expert advice on large mortgages over £1 million. Kerr & Watson help you secure the right lender, even with complex income or high-value property.
Self-employed mortgage advice made simple. Kerr & Watson help you prove your income and secure the right mortgage with expert guidance.
New build mortgage advice made simple. Kerr & Watson help you secure the right deal, meet deadlines, and navigate developer requirements with confidence.
Complex income mortgage advice from Kerr & Watson. We help you secure the right lender, even with multiple income streams or unique earnings.
Adverse credit mortgage advice from Kerr & Watson. We help you secure a mortgage, even with defaults, CCJs or a low credit score.
Foreign national mortgage advice for buying property in the UK. Kerr & Watson help overseas buyers secure the right lender with expert guidance.
Standard buy-to-let mortgage advice from Kerr & Watson. We help you find the right lender, understand deposits, and invest with confidence.
Limited company buy-to-let mortgage advice from Kerr & Watson. Access specialist lenders and secure the right deal for your property investment.
Portfolio landlord mortgage advice from Kerr & Watson. We help experienced investors secure the right lenders for multiple buy-to-let properties.
Invest in HMOs or multi-unit properties with confidence. Kerr & Watson provide expert mortgage advice and access to specialist lenders.
Holiday let mortgage advice from Kerr & Watson. Secure the right lender for short-term rental properties with expert guidance and confidence.
Expat mortgage advice from Kerr & Watson. We help UK nationals living abroad secure the right mortgage with specialist lenders and expert guidance.
Bridging loan advice from Kerr & Watson. Access fast, short-term property finance to secure opportunities before arranging long-term funding.
Commercial mortgage advice from Kerr & Watson. We help business owners secure the right lender for purchasing, refinancing or expanding commercial property.
Development finance advice from Kerr & Watson. Secure funding for land, construction or refurbishment with expert guidance and access to specialist lenders.
Need flexible funding? Kerr & Watson provide expert asset-backed lending advice to help you unlock finance with confidence.
Invoice discounting advice from Kerr & Watson. Unlock cash tied up in unpaid invoices while retaining control of your business and cash flow.
Later life lending advice from Kerr & Watson. Explore equity release and retirement mortgage options with expert guidance tailored to your needs.
Life insurance advice from Kerr & Watson. Protect your loved ones with tailored cover that provides financial security and peace of mind.
Critical illness cover advice from Kerr & Watson. Protect your finances with tailored cover that pays out if you’re diagnosed with a serious illness.
Income protection advice from Kerr & Watson. Receive a regular income if you can’t work due to illness or injury, helping you stay financially secure.
Private medical insurance advice from Kerr & Watson. Access faster treatment, specialist care, and greater choice with tailored health cover.
Business protection advice from Kerr & Watson. Safeguard your company against the loss of key people with tailored cover and expert guidance.
Home insurance advice from Kerr & Watson. Protect your property and belongings with tailored cover and expert guidance for complete peace of mind.
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)
Halima Valli
Feb 13, 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
Josh Mynard
Jan 12, 2026
Louise Handley
Nov 23, 2025
Delano Greenidge
Nov 17, 2025
James Brackenborough
Nov 16, 2025
Yemi Ayeni
Oct 06, 2025
Tom Delaney
Sep 19, 2025
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
William Puttock
Aug 15, 2025
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!
James Bosson
Aug 13, 2025
G. M.
Aug 03, 2025
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!
Sophie Howard
May 11, 2025
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
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
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
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.
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.
Hannah McGoldrick
Jan 17, 2024
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!