Clear and transparent mortgage guidance you can trust

At Watt Mortgage, we’re here to offer personalised mortgage and insurance advice with your needs always coming first. As a friendly UK-based broker, we’ll be with you every step of the way— from the first chat right through to completion.

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Transparent Fees

Your initial consultation is free. Any fees for mortgage applications will be discussed upfront, based on the complexity of your case, so you’ll know exactly what to expect.

Mortgage and insurance advice that works for you.

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Mortgages

With so many options to choose from, finding the right mortgage can feel overwhelming. At Watt Mortgage, we make things easier for you. We’ll walk you through the process step by step, offering clear advice and support so you can feel confident at every stage.

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Protection

We’re here for more than just finding the perfect mortgage, we’re also committed to helping you protect your home and loved ones. With our personalised insurance solutions, you can have peace of mind knowing everything that matters most is covered.

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Other services

At Watt Mortgages, we provide more than mortgage solutions. Explore services like Equity Release (by referral only), Credit Reports, Home Insurance, and Wills & Estate Planning to help secure your future.

Why Watt?

Watt Mortgage’s team delivers personalised mortgage solutions, guiding you every step of the way with expert advice, competitive rates, and flexible terms.

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Your mortgage, your way.

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First time buyers

Start your homeownership journey with expert guidance tailored to your unique needs.

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Remortgages

Find better rates or release equity with our hassle-free remortgage solutions.

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Self-employed mortgages

Specialist advice to secure the right mortgage, even with complex income.

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Buy to let

Maximise your investment potential with our tailored buy-to-let mortgage options.

Hear from our clients.

Write a review
“Watt Mortgage helped me find the perfect mortgage solution.”
John Doe
3 days ago
I would highly highly recommend Ciaran from watt mortgage. Firstly he is professional and takes pride in what he does, he actually cares about his clients and getting the best products for them, back in 2017 Ciaran obtained a mortgage for us and advised us to take out various policies, health insurance home insurance, life insurance etc now if this wasn’t for him explaining the benefits of having these policies we would never have had them in place, 7 years later (2024) our son 3 years of age was diagnosis’s with cancer, this particular insurance company that Ciaran advised us to take cover with, covered the cost of living, our hospital visits and a 51k pay out, which really took the strain off of things and ment we could concentrate on our sick child, we are so grateful to Ciaran for advising us to take out these policies, as without him explaining the benefits of these policies we would have never had them in place, we are purchasing a 2nd property soon and we would not use anyone else other than Ciaran at watt mortgages. I Highly recommend to him to everyone, brilliant services provided and an all round great guy. Thank you.
ProG
April 14, 2026
Mortgage advisor Josh was very helpful, friendly, patient and professional. We are first time buyers and he explained and guided us through the process making it stress free for us. Communication was excellent. He answered any questions we had efficiently. Couldnt recommend the Watts team enough. Thank you!!
Emma G
April 14, 2026
amazing guy yet again always at hand - Dan thank you so much for your help and support through the process. I have a great deal in place now and hopefully start a new chapter of my life and then build my portfolio - i will be back. thank you again!!!
Hassan M
April 8, 2026
We have used Watt Mortgage for several of our mortgages & insurance policies & the experience has always been excellent. Kieran & Josh take what can feel like a complicated, overwhelming process & make it run seamlessly, explaining everything in a clear, simple way whilst keeping communication quick, transparent & reassuring throughout. Securing a mortgage when self-employed is not always straightforward, but their knowledge makes each stage feel manageable & far less stressful. We always feel confident everything is being handled efficiently & in our best interests. Thank you again, Kieran & team!
Ellie M
April 7, 2026
We have been dealing with Josh at Watt Mortgage after a recommendation through the Estate Agent we are currently using. Josh has been a pleasure to deal with and after going through a number of options, has found us the perfect deal to suit our needs. Everything was explained to us in a clear and simple way and he was quick to respond to further questions we had later that day. We will be using him again to discuss other products they offer. 10/10
Amy C
April 2, 2026
I’ve had a very positive experience with Watt Mortgage, especially working with Josh. The whole process was smooth, quick, and completely stress-free. Josh was highly efficient, found us a great deal, and handled all the paperwork promptly. Our mortgage was approved in less than two days, and we were able to secure an excellent rate. I would definitely recommend their services.
Max S
March 17, 2026
I had an excellent experience working with my mortgage advisor. From the very first conversation, they were professional, knowledgeable, and incredibly patient in answering all of my questions. They took the time to clearly explain every step of the process, which made what could have been a stressful experience feel smooth and manageable. What really stood out was their dedication and responsiveness. No matter how small my concern was, they were always quick to respond and happy to help. They worked hard to secure the best possible deal for my situation and kept me informed throughout the entire process. I truly felt supported from start to finish and couldn’t have asked for better guidance. I would highly recommend them to anyone looking for trustworthy, reliable, and expert mortgage advice.
Patryk B.
March 3, 2026
From the moment we made contact with Watt Mortgage we have been so extremely pleased with the help, support & guidance we have been given. Nothing is too much trouble, Josh is always on hand if we need any questions answered, Josh has taken us through every stage of our mortgage process as we have never done this before and it can get very overwhelming. Would definitely recommend Watt Mortgage going forward.
Natalie H
February 27, 2026
We had great service from Josh, he was friendly, patient and supportive throughout. Would recommend!
Lucas O.
February 27, 2026
Excellent service with nothing too much to ask. Talk you through all your options offering independent advice based on your circumstances. Keep you informed all the time and very pleasant staff. Having used different brokers in the past from big companies, would highly recommend for the personal service they offer.
P.
February 26, 2026
RECOMMEND TO ALL! I cannot thank Kieran enough for putting me in touch with Daniel May from Watt Morgages, he gave me a lot of useful information on how to move forward with my life insurance , trust & morgages. Thanks again
P.R.
February 24, 2026
First time buyers and all team were so helpful throughout the whole process. Would definitely recommend!
Amber W
February 23, 2026
Josh at Watt Mortgage has been absolutely brilliant. From start to finish he was fast, professional and always on hand whenever we had questions. We are first time buyers and he took the time to explain everything clearly, made the process feel really straightforward and helped everything move quickly with no stress. We’re so grateful for his support and would 100% recommend him, and Watt Mortgage, to anyone looking for a mortgage advisor.
H G
February 14, 2026
Josh and the team at Watt Mortgage were excellent from start to finish. They were supportive throughout the entire process and secured us a better deal than two previous brokers had been able to achieve. Kieran initially reached out with genuinely helpful information before we had even decided to proceed with Watt Mortgage. Once we did, Josh clearly explained each step of the mortgage process and regularly checked in with updates. Every deadline they set was met, often ahead of schedule. The team were always quick to respond via WhatsApp or phone whenever we needed them. Buying a home comes with a lot of moving parts. If you want one less thing to worry about, I’d recommend using Watt Mortgage to handle your mortgage deal.
Shahjahan B
February 13, 2026
Very friendly and helped to make the process incredibly fast hence why I’m giving 5 stars.
Ahmed G.
February 13, 2026
Great service, very professional team which stayed in touch with me throughout the whole process and explained everything very well, Daniel is a superb advisor, very supportive and patient. You can also feel a personal care and support. I would highly reccomend.
Natalia S
February 7, 2026
A massive thanks to Kieran and the whole team at Watt Mortgage for helping me secure my dream home. From start to finish the entire process was amazing. I cannot fault the professionalism and dedication of everyone involved. 5 🌟
P
February 6, 2026
Dan Watt dealt with my life insurance and my will and he talked me through it all and understood what I needed. Amazing service and would definitely recommend.
Louise L
February 6, 2026
Had a great experience so far with Watt Mortgage. Josh has made the whole process feel stress-free. He explains everything clearly and in great detail without it ever feeling overwhelming. The rest of the team are all very friendly and welcoming, and the premises are lovely. Communication has been excellent throughout, whether through WhatsApp, email, or phone calls. Highly recommend!
Luke J
February 6, 2026
A massive thanks to Kieran and the whole team at Watt Mortgage for helping me secure my dream home. From start to finish the entire process was amazing. I cannot fault the professionalism and dedication of everyone involved. 5
P
February 6, 2026
I’ve renewed two mortgages with Kieran at Watt Mortgage, and both renewals were handled with ease. The process was quick, clear, and completely stress-free. Great communication and excellent service. Highly recommend!
Mickey M
February 5, 2026
Watt mortgage did great job for my remortgage is sorted and transparent guidance Thanks
Balasubramanian R
February 4, 2026
I can’t recommend watt mortgage enough. The team was incredibly helpful, patient, and supportive from start to finish. They explained everything clearly and made what could have been stressful feel manageable. Brilliant service throughout.
Connect K
February 4, 2026
I would highly recommend Watt Mortgage? Ltd. Josh Jackson was very helpful throughout the process in getting me the best mortgage deal.
Lisa O
February 1, 2026
Watt Mortgages go above and beyond. Clear explanations, no pressure, just genuine advice. My whole family uses them and we recommend them to everyone.
Sam b
January 31, 2026

Refer a friend.

Love our service? Recommend Watt Mortgage to your friends, family, or colleagues and receive a £100 gift voucher from Marks & Spencer, Waitrose/John Lewis, or Amazon!

Ready to take the next step?

Get in touch with us today for expert mortgage advice tailored just for you. We’ll handle everything from start to finish, ensuring a smooth and stress-free process. Let’s find the right solution for you - no strings attached.