Kerr & Watson

Great to catch up today with James Forster from Howden. We had a discussion about recent changes in the insurance market, highlighting the growing importance of networking and collaboration within our industry. An area of discussion was the need for robust safety nets to protect both residential and commercial customers. Thanks again, James, looking forward to seeing you again soon. 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 #Insurance #Howden Stephen Kerr Daniel Watson Marie Kitchin CeMAP Matthew Ralph Andreea Ionescu

𝗜𝗻𝗳𝗹𝗮𝘁𝗶𝗼𝗻 𝗘𝗮𝘀𝗲𝘀 𝘁𝗼 𝟮.𝟴% 𝗶𝗻 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟮𝟬𝟮𝟱 Annual CPI inflation fell to 2.8%, down from 3.0% in January – a positive step, though price pressures remain. 𝗕𝗶𝗴𝗴𝗲𝘀𝘁 𝗠𝗼𝘃𝗲𝗿𝘀: Clothing prices dropped, and housing costs eased slightly. However, alcohol and tobacco saw sharp increases following tax changes. 𝗖𝗼𝗿𝗲 𝗜𝗻𝗳𝗹𝗮𝘁𝗶𝗼𝗻: Still high at 3.5%, showing that underlying pressures haven’t fully disappeared. Interest rates remain at 4.50%, and the Bank of England is expected to tread carefully before any cuts. Thinking about remortgaging or buying soon? We can help you plan ahead. Read more: https://lnkd.in/eJbDpmgT 📞: 01252224620 🌐: kerrandwatson.co.uk 📧: info@kerrandwatson.co.uk #Inflation #MortgageUpdate #KerrAndWatson Data Source: Office for National Statistics (ONS) AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS.

We had a great meeting today with Bradley Street from Market Harborough Building Society. We had a useful discussion about their flexible lending approach for High Net Worth individuals, complex income types, and unique property scenarios. This information allows us to continue helping clients who might not fit the mainstream mould — including expats, foreign nationals, portfolio landlords, and those looking at multi-generational borrowing, interest-only, or even bridging solutions. We appreciate the time, Bradley, and look forward to seeing you again soon! 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 #ComplexMortgages #MarketHarboroughBS Stephen Kerr Daniel Watson Marie Kitchin CeMAP Matthew Ralph Andreea Ionescu

𝗟𝗶𝗺𝗶𝘁𝗲𝗱 𝗰𝗼𝗺𝗽𝗮𝗻𝘆 𝗯𝘂𝘆-𝘁𝗼-𝗹𝗲𝘁 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲𝘀. Our spectrum of lenders includes both high street banks and exclusive broker-only lenders. Whether your company is a Special Purpose Vehicle (SPV) or a trading company, we can help. Contact 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 #LimitedCompanyBTL #LimitedCompanyBuyToLetMortgage #MortgageBroker #MortgageAdvice #KerrAndWatson

A fantastic evening on Friday at the The Bush Hotel, Farnham, attending the Inaugural Charity Spring Ball hosted by Branston Adams Accountants, in support of the Phyllis Tuckwell, Hospice Care. The night was filled with a great atmosphere, a lovely meal, a raffle, a silent auction, and brilliant entertainment, all in aid of such an important cause. We always enjoy catching up with some familiar faces too. Paul Adams and the team continue to work tirelessly raising funds for the hospice, and we’re always proud to support their efforts. A huge well done to everyone involved in making the event a success. #MortgageAdvice #MortgageBroker #KerrandWatson #BranstonAdams #PhyllisTuckwell James Forster Tom Enser  Stephen Kerr Daniel Watson Marie Kitchin CeMAP Matthew Ralph Andreea Ionescu

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗠𝗮𝗿𝗸𝗲𝘁 𝗨𝗽𝗱𝗮𝘁𝗲 Lenders introduced initiatives to help borrowers ahead of tax and affordability challenges. First-time buyer numbers fell in London, while schemes and criteria changes aimed to widen access. 𝗙𝗧𝗕 𝗻𝘂𝗺𝗯𝗲𝗿𝘀 𝗱𝗿𝗼𝗽𝗽𝗲𝗱 𝗶𝗻 𝗟𝗼𝗻𝗱𝗼𝗻, 𝗿𝗼𝘀𝗲 𝗲𝗹𝘀𝗲𝘄𝗵𝗲𝗿𝗲 London experienced a marked fall in first-time buyer mortgage activity from 2013 to 2023. Meanwhile, surrounding and more affordable regions saw higher or steadier growth in first-time buyer numbers. 𝗥𝗮𝘁𝗲 𝗵𝗲𝗹𝗱 𝗮𝘁 𝟰.𝟱%, 𝗺𝗮𝗿𝗸𝗲𝘁𝘀 𝗮𝘄𝗮𝗶𝘁 𝗠𝗮𝘆 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻 The Bank of England maintained the base rate at 4.5% in an 8–1 vote, citing ongoing inflation concerns. Hopes now shift to May for a possible cut, as borrowers continue to face high costs. 𝗥𝗮𝘁𝗲 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻𝘀 𝘀𝗽𝗮𝗿𝗸 𝘀𝗲𝗮𝗿𝗰𝗵 𝘀𝘂𝗿𝗴𝗲𝘀 Mortgage searches typically spike on Bank of England rate decision days, rising 8.46% compared to the Thursday after. The following Monday sees the biggest increase, with searches up over 18% from normal levels. 𝗟𝗲𝗻𝗱𝗲𝗿𝘀 𝗺𝗼𝗯𝗶𝗹𝗶𝘀𝗲 𝘁𝗼 𝗯𝗲𝗮𝘁 𝗦𝘁𝗮𝗺𝗽 𝗗𝘂𝘁𝘆 𝗰𝗵𝗮𝗻𝗴𝗲𝘀 Accord pledged to complete qualifying cases before the Stamp Duty rise, while Skipton launched cashback mortgages for those who miss out. Both actions aim to support first-time buyers as affordability tightens. 𝗥𝗶𝘀𝗶𝗻𝗴 𝗰𝗼𝘀𝘁𝘀 𝗽𝘂𝘀𝗵 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗽𝗿𝗲𝗺𝗶𝘂𝗺𝘀 𝗵𝗶𝗴𝗵𝗲𝗿 Home insurance costs rose 8.5% over the year, largely due to increased rebuilding and labour expenses. Premiums remain highest in Northern Ireland and Greater London, with smaller homes seeing lower rates. 𝗕𝘂𝘆-𝘁𝗼-𝗹𝗲𝘁 𝗳𝗶𝗿𝗺𝘀 𝗿𝗶𝘀𝗲, 𝗿𝗲𝗻𝘁𝗮𝗹 𝗴𝗿𝗼𝘄𝘁𝗵 𝘀𝗹𝗼𝘄𝘀 Buy-to-let company formations hit over 400,000, driven by tax efficiency, with 2024 seeing record new setups. However, rental growth has slowed significantly, with falling rents in London suggesting a cooling market. 𝗦𝘄𝗮𝗽 𝗿𝗮𝘁𝗲𝘀 𝗿𝗶𝘀𝗲 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗲𝗲𝗸-𝗼𝗻-𝘄𝗲𝗲𝗸 Both 2-year and 5-year swap rates increased over the past week, with the 2-year rising by 0.040% and the 5-year by 0.011%. Compared to a year ago, the 2-year rate is down, while the 5-year rate has climbed. 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 your feedback! We’re so glad we could help arrange your mortgage and provide support throughout the process. Your satisfaction is always our priority! #FeedbackFriday #FiveStarReview #KerrAndWatson #MortgageBroker

𝗩𝗲𝗵𝗶𝗰𝗹𝗲 𝗦𝗼𝘂𝗿𝗰𝗲𝗱 𝗙𝗼𝗿 𝗕𝗼𝗿𝗱𝗼𝗻 𝗦𝗼𝗮𝗽 𝗕𝗼𝘅 𝗥𝗮𝗰𝗲 𝗧𝗵𝗶𝘀 𝗝𝘂𝗹𝘆 We’re pleased to announce that we’ve sourced an ideal kart to use as the framework, to build upon, for our entry in the upcoming Bordon Soap Box Derby this July. A few key details about kart as follows: ✅ Kettler Kettcar  ✅ Built Around 2015 ✅ One careful owner from new ✅ Covered approximately 1,500 miles ✅ Part service history Over the coming months, this will be transformed into a bespoke Kerr & Watson Kart with the help of the talented Graham McCreath from G Monkey Designs overseeing the build and sign wrapping of our kart. We will keep you updated. #MortgageAdvice #MortgageBroker #KerrandWatson #BordenSoapBoxRace2025 Stephen Kerr Daniel Watson Marie Kitchin CeMAP Matthew Ralph Andreea Ionescu

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