Kerr & Watson

𝗕𝗮𝗻𝗸 𝗼𝗳 𝗘𝗻𝗴𝗹𝗮𝗻𝗱 𝗛𝗼𝗹𝗱𝘀 𝗕𝗮𝘀𝗲 𝗥𝗮𝘁𝗲 𝗮𝘁 𝟰.𝟱% The Bank of England has decided to keep the base rate at 4.5% following the latest Monetary Policy Committee (MPC) meeting. This decision was backed by 8 out of 9 MPC members, with one member preferring a slight reduction to 4.25%. Inflation is currently at 3.0% and is expected to rise to 3.75% later this year before gradually falling back. The UK economy has shown slightly stronger-than-expected growth, but challenges remain, including global trade uncertainties and wage pressures. The MPC is taking a cautious approach, keeping rates at a restrictive level to ensure inflation continues to move towards the 2% target. If you’re a homeowner or looking to buy, it’s important to review your mortgage options. At Kerr & Watson, we provide expert advice to help you navigate the mortgage market with confidence. Contact us today to explore your options! Read more: https://lnkd.in/eqmTNabR AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS #MortgageAdvice #MortgageBroker #KerrandWatson #InterestRate #BankBaseRate #InterestRates #BankOfEngland #MortgageNews Stephen Kerr Daniel Watson Marie Kitchin CeMAP Matthew Ralph Andreea Ionescu

𝗔𝗿𝗲 𝘆𝗼𝘂 𝗰𝗼𝗻𝘀𝗶𝗱𝗲𝗿𝗶𝗻𝗴 𝗯𝘂𝘆𝗶𝗻𝗴 𝗼𝗿 𝗿𝗲𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗶𝗻𝗴 𝗮 𝗯𝘂𝘆-𝘁𝗼-𝗹𝗲𝘁 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆? Kerr & Watson can help you navigate the path to success! Here are three ways we can assist you: 1️⃣ Tailored Guidance: Our expert team specialises in buy-to-let mortgages. We'll provide bespoke advice, helping you understand the market, assess your budget, and find the best option. 2️⃣ Access to Exclusive Deals: We have access to the whole market of lenders, including broker only lenders, which are not. We'll secure the best terms and rates for your situation. 3️⃣ Piece of Mind: We handle the paperwork, underwriting, valuation and lender communications, making the process smooth and stress-free for you. Contact us today at 📞 01252224620, visit our website 🌐 kerrandwatson.co.uk, or email us at 📧 info@kerrandwatson.co.uk to get started! AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS #BuyToLet #BuyToLetMortgage #MortgageBroker #MortgageAdvice #KerrAndWatson

𝗟𝗼𝗼𝗸𝗶𝗻𝗴 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗕𝗲𝘀𝘁 𝗕𝘂𝘆-𝘁𝗼-𝗟𝗲𝘁 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗼𝗿 𝗥𝗲𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗗𝗲𝗮𝗹? Whether you're looking into purchasing a buy to let property or due for a remortgage, we're here to align you with the perfect rate and lender. Rely on our team to navigate your buy to let mortgage journey, pinpointing the optimal solution for you. Reach out to us today. 📞: 01252224620 🌐: kerrandwatson.co.uk 📧: info@kerrandwatson.co.uk AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS #BuyToLet #BuyToLetMortgage #MortgageBroker #MortgageAdvice #KerrAndWatson

𝗛𝗮𝗽𝗽𝘆 𝗦𝘁. 𝗣𝗮𝘁𝗿𝗶𝗰𝗸’𝘀 𝗗𝗮𝘆 Due to the black, white and gold corporate colours, we feel this would make a wonderful collaboration. We hope you have a great day filled with good fortune, great company, and maybe a pint of something Irish. #MortgageAdvice #MortgageBroker #KerrandWatson #StPatricksDay #Guiness Stephen Kerr Daniel Watson Marie Kitchin CeMAP Matthew Ralph Andreea Ionescu

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗠𝗮𝗿𝗸𝗲𝘁 𝗨𝗽𝗱𝗮𝘁𝗲 Lenders adjusted rates in response to evolving market conditions, while inflation concerns and economic contraction fuelled speculation about future rate cuts. Strong first-time buyer demand and a rise in remortgaging signalled shifting borrower behaviour in a competitive landscape. 𝗘𝗰𝗼𝗻𝗼𝗺𝗶𝗰 𝗦𝗹𝗼𝘄𝗱𝗼𝘄𝗻 𝗦𝘁𝗿𝗲𝗻𝗴𝘁𝗵𝗲𝗻𝗲𝗱 𝗖𝗮𝘀𝗲 𝗳𝗼𝗿 𝗙𝘂𝘁𝘂𝗿𝗲 𝗥𝗮𝘁𝗲 𝗖𝘂𝘁𝘀 January’s GDP contraction underscored the UK’s fragile recovery, with manufacturing and construction posting notable declines. While an immediate rate cut remained unlikely, the slowdown could shift expectations towards easing in the summer. If markets anticipate this, mortgage rates could begin to 𝗥𝗶𝘀𝗶𝗻𝗴 𝗗𝗲𝗺𝗮𝗻𝗱 𝗔𝗺𝗶𝗱 𝗧𝗮𝘅 𝗖𝗵𝗮𝗻𝗴𝗲𝘀 𝗮𝗻𝗱 𝗦𝘂𝗽𝗽𝗹𝘆 𝗖𝗼𝗻𝘀𝘁𝗿𝗮𝗶𝗻𝘁𝘀 The approaching Stamp Duty changes prompted a surge in housing transactions, with buyers eager to avoid higher tax costs. However, affordability concerns persisted, and the rental market remained under pressure due to rising tenant demand and limited supply. 𝗥𝗲𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗠𝗮𝗿𝗸𝗲𝘁 𝗥𝗲𝗺𝗮𝗶𝗻𝗲𝗱 𝗔𝗰𝘁𝗶𝘃𝗲 𝗗𝗲𝘀𝗽𝗶𝘁𝗲 𝗥𝗮𝘁𝗲 𝗨𝗻𝗰𝗲𝗿𝘁𝗮𝗶𝗻𝘁𝘆 Remortgage activity grew, with more borrowers increasing loan sizes despite higher monthly payments. Many opting for five-year fixed deals, reflecting uncertainty over future rate reductions. 𝗨𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗶𝗻 𝗣𝗿𝗶𝗻𝗰𝗶𝗽𝗹𝗲 𝗕𝗼𝗼𝘀𝘁𝘀 𝗕𝘂𝘆𝗲𝗿 𝗖𝗼𝗻𝗳𝗶𝗱𝗲𝗻𝗰𝗲 Many homebuyers misunderstood the role of a mortgage in principle, despite its benefits in competitive markets. It is advised early preparation, reviewing credit reports, and seeking professional guidance to strengthen applications. 𝗕𝘂𝘆𝗶𝗻𝗴 𝗠𝗼𝗿𝗲 𝗔𝗳𝗳𝗼𝗿𝗱𝗮𝗯𝗹𝗲 𝗧𝗵𝗮𝗻 𝗥𝗲𝗻𝘁𝗶𝗻𝗴 𝗶𝗻 𝗠𝗼𝘀𝘁 𝗥𝗲𝗴𝗶𝗼𝗻𝘀 First-time buyers generally pay less on mortgages than renters, but strict lending regulations remain a barrier to ownership. Experts called for modest adjustments to mortgage stress tests to help more renters transition into home ownership. 𝗦𝘄𝗮𝗽 𝗥𝗮𝘁𝗲𝘀 𝗗𝗲𝗰𝗹𝗶𝗻𝗲𝗱 𝗦𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗢𝘃𝗲𝗿 𝘁𝗵𝗲 𝗣𝗮𝘀𝘁 𝗪𝗲𝗲𝗸 The 2-year swap rate fell to 4.009%, down 0.029% from last week, while the 5-year rate dipped slightly to 3.964%, a 0.005% decrease. Despite these minor declines, both rates remained higher than last month, with the 5-year rate showing a modest annual increase. 𝗧𝗮𝗹𝗸 𝗧𝗼 𝗨𝘀 𝗔𝗯𝗼𝘂𝘁 𝗬𝗼𝘂𝗿 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗢𝗽𝘁𝗶𝗼𝗻𝘀 📞: 01252224620 🌐: kerrandwatson.co.uk 📧: info@kerrandwatson.co.uk AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS THIS VIDEO IS NOT ADVICE. FOR SPECIFIC ADVICE, PLEASE SPEAK WITH AN ADVISER. #MortgageMarket2025 #MortgageNews #KerrandWatson

𝗙𝗶𝘃𝗲 𝗦𝘁𝗮𝗿 𝗙𝗲𝗲𝗱𝗯𝗮𝗰𝗸 𝗙𝗿𝗶𝗱𝗮𝘆! ⭐⭐⭐⭐⭐ Thank you for the kind words! Daniel is delighted to have guided you through a challenging mortgage approval process. We’re so pleased we could help you achieve a positive outcome. Your recommendation means the world to us! #FeedbackFriday #FiveStarReview #KerrAndWatson #MortgageBroker

A huge thank you to Laura Smith from Saffron Building Society for popping in to see us (along with the famous Saffron Chameleon! 🦎). We had some fantastic discussions about how Saffron’s mortgage criteria can help our customers, covering: ✅ Joint Borrower Sole Proprietor ✅ Self-employed applicants & contractors ✅ First-time buyers ✅ Mortgage affordability & lending options It’s always great to stay up to date with lenders to ensure we’re giving the best possible advice. Thanks again, Laura! Looking forward to working together to help more clients secure their dream homes. AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS #MortgageAdvice #MortgageBroker #KerrandWatson #SaffronBuildingSociety Stephen Kerr Daniel Watson Marie Kitchin CeMAP Matthew Ralph Andreea Ionescu

𝗬𝗼𝘂𝗿 𝗰𝗿𝗲𝗱𝗶𝘁 𝗽𝗿𝗼𝗳𝗶𝗹𝗲 𝗺𝗮𝘆 𝗻𝗼𝘁 𝗯𝗲 𝗽𝗲𝗿𝗳𝗲𝗰𝘁, 𝗹𝗲𝘁 𝘂𝘀 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂 𝗴𝗲𝘁 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲. Here are three ways we can help you secure an adverse credit mortgage: 1️⃣ Credit Assessment: Our team is prepared to assess your credit journey and pair you with a lender who understands your situation. 2️⃣ Expert Guidance: We'll provide guidance on how to improve your credit and increase your chances of approval. Our goal is to help you qualify for the best mortgage terms available to you. 3️⃣ Tailored Solutions: We work with lenders who specialise in adverse credit mortgages, offering flexible terms and competitive rates. Talk to us today: 📞: 01252224620 🌐: kerrandwatson.co.uk 📧: info@kerrandwatson.co.uk AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS #AdverseCredit #AdverseCreditMortgage #MortgageBroker #MortgageAdvice #KerrAndWatson

"𝗢𝗶, 𝗡𝗼 𝗣𝗿𝗼𝗳𝗲𝘀𝘀𝗶𝗼𝗻𝗮𝗹𝘀" After a gruelling decision process, we’ve nominated our driver for the Bordon Soap Box Race this July. Stepping up is Matthew Ralph, our trainee mortgage adviser and motor enthusiast. The perfect mix of speed and strategy, with Matthew behind the wheel, Team Kerr & Watson expect big things. Now, we need the perfect frame to make our kart. We will update you on the progress. #MortgageAdvice #MortgageBroker #KerrandWatson #BordonSoapBox Stephen Kerr Daniel Watson Marie Kitchin CeMAP Andreea Ionescu

Great to catch up with Daniel Hopwood and his little brief case today to discuss Nationwide Building Society and The Mortgage Works criteria and how we can best support our clients. We had a great conversation about Helping Hand, Nationwide’s initiative to assist first-time buyers with affordability, and how it can make a real difference in getting people onto the property ladder. Thanks for coming in, Dan – always good to stay up to date and ensure we’re providing the best possible advice to our clients! AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS #MortgageAdvice #MortgageBroker #KerrandWatson #Nationwide #TheMortgageWorks #HelpingHand #FirstTimeBuyers Stephen Kerr Daniel Watson Marie Kitchin CeMAP Matthew Ralph Andreea Ionescu