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
First-time buyer mortgages made simple. Kerr & Watson provide expert advice, guiding you through every step to secure your first home with confidence.
Moving home? Kerr & Watson provide expert home mover mortgage advice, helping you port, switch or borrow more with confidence.
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.
Buying UK property as a foreign national? Kerr & Watson provide expert mortgage advice and access to specialist lenders to support your application.
Looking for a buy-to-let mortgage? Kerr & Watson provide expert advice to help you secure the right deal for your investment property.
Invest through a limited company with expert buy-to-let mortgage advice from Kerr & Watson, including access to specialist lenders and tailored solutions.
Own multiple rental properties? Kerr & Watson provide expert portfolio landlord mortgage advice with access to specialist lenders.
HMO and multi-unit mortgage advice from Kerr & Watson. Access specialist lenders and secure higher-yield property finance with expert guidance.
Looking to invest in a holiday let? Kerr & Watson provide expert mortgage advice for short-term rental properties and seasonal income.
Living abroad? Kerr & Watson provide expert expat mortgage advice to help you buy or refinance property in the UK with confidence.
Need fast property finance? Kerr & Watson provide expert bridging loan advice to help you move quickly and bridge funding gaps with confidence.
Commercial mortgage advice from Kerr & Watson. We help business owners secure the right lender for purchasing, refinancing or expanding commercial property.
Funding a property development? Kerr & Watson provide expert development finance advice, helping you secure the right lender for your project.
Need flexible funding? Kerr & Watson provide expert asset-backed lending advice to help you unlock finance with confidence.
Improve cash flow with invoice discounting. Kerr & Watson provide expert advice and access to flexible funding against your unpaid invoices.
Over 50 and exploring your options? Kerr & Watson provide expert later life lending advice, including equity release and retirement mortgages.
Protect your family’s future with expert life insurance advice from Kerr & Watson, ensuring financial support when it matters most.
Protect your income and lifestyle with critical illness cover. Kerr & Watson provide expert advice to help you find the right policy.
Protect your income with expert advice from Kerr & Watson. Get financial support if illness or injury stops you working.
Get fast access to private healthcare with expert advice from Kerr & Watson. Tailored medical insurance for treatment, choice and peace of mind.
Protect your business and its future with expert advice from Kerr & Watson, covering key person, shareholder and business loan protection.
Protect your home and contents with expert advice from Kerr & Watson. Find the right home insurance cover with confidence.
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.
Photos
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.
Zelda Prichard
Feb 15, 2026
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!
Halima Valli
Feb 13, 2026
Doina Sacaliuc
Feb 09, 2026
Kerr&Watson are everything you are looking for in a MA. We felt supported all the way through our home purchasing process. They were available when needed, provided helpful and straightforward advice, got the best offer we could get based on our circumstances and kept us in the loop regarding new rates.
They answer promptly and never let you get anxious about anything, so this has made our purchasing journey much less stressful than it could be. I couldn’t recommend them more.
They answer promptly and never let you get anxious about anything, so this has made our purchasing journey much less stressful than it could be. I couldn’t recommend them more.
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.
James Brackenborough
Nov 16, 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.
Shazia Sheikh
Nov 03, 2025
We were caught between securing the property we wanted to buy, with a suddenly nervous buyer for the property we were selling - 10 months into the process of course. So we looked to Dan and talked through options like a bridging loan, which meant we were able to proceed with the purchase, and also have time to - if needed - start again with the ssale.Thanks Dan for talking through the options, and being available so quickly.
Alex Howard
Nov 02, 2025
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.
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
James Bosson
Aug 13, 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!
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.
Laura Allen
Jan 12, 2025
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
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!