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Mortgage Brokers Kent | Future Interests
Mortgage & Protection Specialists
About Future Interests: Your Mortgage Brokers in Kent
Welcome to Future Interests – your dedicated Mortgage and Protection Specialists based in Herne Bay, Kent. Founded in 2018 by Owner and Managing Director, Vicky Crouch, our business has thrived on excellent client relationships and valued mortgage advice. With a deep understanding of the mortgage industry, we take pride in offering our clients the best possible recommendations and a stress-free mortgage process.
Mortgage Brokers in Kent: Tailored Solutions for Your Needs
At Future Interests, we understand that every mortgage situation is unique. Whether you’re a self-employed individual, a contractor, or a director of a limited company, we have the expertise to source the perfect mortgage solution for you. Our team of expert advisers will carefully listen to your needs and leverage our experience to establish the most appropriate option to help you achieve your objectives.
Don’t just take our word for it. Check out our extensive testimonials on Google and other platforms to see how our expert advisers have provided the guidance our clients deserve. We believe in delivering a human touch, recognising that not every situation is straightforward. By understanding your requirements, we ensure that you receive personalised advice and find the right mortgage for your individual circumstances.
Your Trusted Mortgage Brokers in Kent
As your dedicated mortgage brokers in Kent, Herne Bay our primary focus is on all things mortgage-related. We are committed to acting in your best interest and helping you save money by making informed decisions about your mortgage and insurance needs.
With over 30 years of experience in the property industry, we offer a comprehensive range of services from making offers to completion. Our strong relationships with local estate agents and solicitors enable us to streamline the process, providing you with a hassle-free experience.
At Future Interests, we prioritise your convenience. We offer flexible appointments seven days a week, including evenings and weekends. Whether you prefer meeting us at our office, speaking over the telephone, or having a consultation in the comfort of your own home, we are here to accommodate your needs.
With our deep understanding of the local property market in Kent, we provide invaluable insights and advice on the best mortgage options available to you. Trust our expertise and personalised approach to make informed decisions about your mortgage needs, ensuring a smooth and successful homeownership journey.
How can we help?
Simply send a message to our expert team
By clicking 'Send Message' you voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with General Date Protection Regulation. You agree that such personal information may be used to provide you with details of services and products in writing, by email or telephone.
Mortgage Guides & News
Keeping you updated and well informed:
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Understanding First Time Buyer Affordability – How Much Can You Really Borrow? Thursday 13th November 2025 Buying your first home is one of the most exciting milestones in life — but it can also feel a little overwhelming, especially when
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Latest Mortgage News
Last Updated: 13th November 2025
November Base Rate Update – What It Means for Your Mortgage
The Bank of England has held the base rate at 4%, with the MPC voting 5–4 to keep it unchanged despite growing expectations of a cut. Inflation remains at 3.8%, still above the Bank’s 2% target, and policymakers say they need more evidence before reducing rates. Markets now expect there could be a December rate cut, especially following a rise in unemployment to 5%. In response, lenders have already begun adjusting their pricing, and many fixed-rate mortgages have fallen in anticipation of future cuts.
For borrowers, the impact depends on your mortgage type. Fixed-rate deals have become more competitive, with leading two- and five-year products now starting from 3.7%–3.85%. Tracker mortgages remain unchanged until the base rate moves. If you’re on a standard variable rate (SVR) — often 6.5% to 7% — you could be paying far more than necessary, as SVRs remain significantly higher than the best fixed deals.
If you’d like to review your current rate or explore lower-cost options, contact Future Interests today for expert, personalised mortgage advice.
Mortgage Advice
Explore the range of mortgage solutions we offer:
First-time buyer mortgages, providing you with the knowledge and insights needed to make informed choices on your way to homeownership.
Moving to a new home opens up a world of possibilities, and choosing the right mortgage is a crucial step in this exciting journey.
Are you approaching the end of your mortgage term, or are you considering a switch to a more favourable interest rate, Look no further.
Buy-to-let mortgages offer a pathway for individuals seeking to purchase properties with the intention of becoming landlords.
A specialist type of mortgage designed to give first-time buyers the chance to purchase a share in a new build property.
One of the most lucrative opportunities in the UK’s real estate market is investing in Houses in Multiple Occupation (HMOs).
Considering renting out your current home and purchasing a new property? Let to Buy Mortgages might be the perfect solution for your needs.
When it comes to getting a mortgage, self-employed individuals often face unique challenges compared to those who have a traditional job.
Designed to address the unique needs of contractors. We understand the challenges faced by (CIS) workers when it comes to securing a mortgage.
Obtaining a mortgage for a new-build property can be a complex process, as some lenders perceive them to be a higher risk investment.
Individuals with poor credit profiles may have a harder time getting approved for a mortgage, as they are viewed as high-risk borrowers.
A product transfer allows you to stay with your current lender while switching to a mortgage deal that offers a more favourable interest rate.
Protection Advice
Explore the range of Insurance solutions we offer:
(CIC) offers financial protection in the event of a critical illness, ensuring support for individuals and their families when they are unable to work.
Life insurance is more than just a financial instrument, it’s a cornerstone of financial security that can safeguard your family’s future.
(IPI) serves as a crucial financial safety net, offering peace of mind to individuals who rely on their income to support themselves and their families.
(FIB) insurance, is a type of life insurance that provides financial protection to the policyholder’s family in the event of their death.
When it comes to safeguarding your home, nothing offers peace of mind quite like a comprehensive home insurance policy.
Mortgage Brokers in Kent
At Future Interests, we proudly serve clients across Kent:
"Your future interests in mind"
We always have your future interests in mind, we will highlight the most suitable option for your circumstances and guide you through the process quickly and easily.
Vicky Crouch - Owner and Managing Director
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