Contact a mortgage & protection adviser today
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.
Experienced advisers supporting you every step of the way
Vicky Crouch
Proud Ownder and Managing Director
Georgina Jaconelli
Office Manager & Mortgage and Protection Consultant
Lee Bulford
Senior Mortgage & Protection Consultant
Explore the range of mortgage solutions we offer:
First-time buyer mortgages with clear guidance to help you take your first step onto the property ladder.
Home mover mortgages to help you move with confidence and secure the right deal.
Remortgage options to help you secure a better rate and reduce your monthly payments.
Buy-to-let mortgages for those looking to invest in property and become landlords.
Shared ownership mortgages helping first-time buyers purchase a share of a new build home.
Mortgage options designed to support borrowers with poor or impaired credit histories.
Let to buy mortgages to help you rent out your current home and purchase a new one.
Product transfers allow you to switch to a better rate while staying with your current lender.
Explore the range of Insurance solutions we offer:
(CIC) offers financial support following a critical illness, helping protect you and your family.
When it comes to protecting your home, a comprehensive insurance offers peace of mind.
Life insurance provides essential financial security to protect your family’s future.
Last Updated: 23rd March 2026
March Base Rate Update – What It Means for Your Mortgage
The Bank of England has once again held the base rate at 3.75%, with inflation easing slightly to 3.2% in January but still above the 2% target. The decision was unanimous, reflecting ongoing uncertainty in the global economy, particularly due to rising geopolitical tensions and energy prices. While the long-term outlook still points towards gradual rate reductions, recent events have made the path less predictable, with some markets now suggesting rates could remain higher for longer or even rise slightly if inflationary pressures persist.
For mortgage borrowers, this means rates may remain relatively steady in the short term, with recent increases already seen in fixed-rate deals as lenders react to market conditions. If you’re approaching the end of your current mortgage deal, securing a rate early and keeping it under review could be a sensible approach. Those on variable or tracker rates should remain aware that any future changes to the base rate could impact monthly payments. Reviewing your options now can help ensure you’re on the most suitable and cost-effective deal for your circumstances.
If you’d like to review your current rate or explore lower-cost options, contact Future Interests today for expert, personalised mortgage advice
Keeping you updated and well informed:
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
What Are Mortgages for Professionals and How Do They Work? Tuesday 7th October 2025 Buying a home as a working professional can come with unique financial circumstances — irregular income, recent qualification, or fast career progression, that’s why many lenders
Mortgage Brokers Kent: Why Local Expertise Matters for Your Mortgage Journey Tuesday 2nd September 2025 Securing the right mortgage is one of the biggest financial decisions you’ll ever make. With hundreds of lenders and thousands of products available, finding the
Clear advice, local expertise and tailored solutions from start to finish
At Future Interests, we understand that every mortgage situation is unique. Whether you’re self-employed, a contractor or a limited company director, we take the time to understand your circumstances and source the most suitable mortgage solution for your goals. 
We believe mortgage advice should feel personal. By listening carefully and understanding your priorities, we provide clear, tailored recommendations — even when circumstances aren’t straightforward. Our client reviews reflect the care and guidance we deliver.
Based in Herne Bay, we are trusted mortgage brokers in Kent with over 30 years’ experience in the property industry. From making an offer to completion, we work closely with local estate agents and solicitors to ensure a smooth, hassle-free move.
At Future Interests, we prioritise convenience as well as expertise. We offer flexible appointments seven days a week. We can meet in person, over the phone or via video call — making expert mortgage advice easy to access, wherever you are.
Based in Herne Bay, supporting clients across Kent and beyond
Ready To Get Started?
Whether you’re buying your first home, moving house, remortgaging or reviewing your protection, our advisers are here to help. We’ll take the time to understand your circumstances and provide clear, personalised advice to support your next steps with confidence.