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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:
Buy-to-Let vs Let-to-Buy: Key Differences Explained
Buy-to-Let vs Let-to-Buy: Key Differences Explained Monday 21st July 2025 When it comes to property and mortgages, few topics cause as much confusion as the difference between buy-to-let and let-to-buy. At Future Interests, your trusted mortgage broker in Herne Bay,
Mortgage Terms Explained: Understanding Mortgage Jargon
Mortgage Terms Explained: Understanding Mortgage Jargon Thursday 26th June 2025 Navigating the world of mortgages can feel overwhelming, especially when you’re bombarded with technical terms and financial jargon. Whether you’re a first-time buyer or a seasoned homeowner looking to remortgage,
Guide to Applying for a Mortgage When You’re Self-Employed
Guide to Applying for a Mortgage When You’re Self-Employed Thursday 8th April 2025 Applying for a mortgage is a major milestone — but if you’re self-employed, the process can feel unnecessarily complicated. Unlike salaried employees with standard payslips, your income
Latest Mortgage News
Last Updated: 19th August 2025
Base Rate cut to 4% – What It Means for Your Mortgage
The Bank of England has cut the base rate from 4.25% to 4%, its third reduction this year and the lowest level since early 2023. The decision was made by a narrow vote of five to four within the Monetary Policy Committee (MPC), reflecting the ongoing balancing act between supporting the economy and controlling inflation. While CPI inflation rose slightly to 3.6% in June (up from 3.4% in May), the Bank noted that “substantial disinflation” has taken place over the last two and a half years and expects inflation to move back towards its 2% target later this year. Markets had already anticipated this cut, so while it’s a positive move for borrowers, much of it has already been priced into current mortgage rates.
For mortgage holders, the impact will vary depending on the type of deal you’re on. If you’re on a fixed-rate mortgage, there’s no immediate change to your repayments, though future fixed deals may edge down slightly over time. Those on a tracker mortgage will see an immediate benefit, with rates falling in line with the base rate – roughly a £15 per month reduction in payments for every £100,000 borrowed. For borrowers on a variable rate, your payments may also fall by up to 0.25 percentage points, though the exact cut depends on your lender’s decision. Standard Variable Rates remain far higher than the best deals available, so if you’re currently on one, now could be a good opportunity to review your options and potentially save significantly. At Future Interests, we’re here to help you understand how these changes affect your situation and guide you towards the right mortgage solution.
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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