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 Owner 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: 5th May 2026
April Base Rate Update – What It Means for Your Mortgage
The Bank of England has once again held the base rate at 3.75%, marking the third consecutive hold, with inflation rising slightly to 3.3% in March and remaining above the 2% target. The Monetary Policy Committee voted 8–1 to keep rates unchanged, highlighting ongoing uncertainty around inflation, energy prices and global events. While the longer-term outlook still suggests gradual rate reductions, expectations have shifted, with many now predicting rates could remain higher for longer as the Bank works to control inflationary pressures.
For mortgage borrowers, this means rates are likely to remain relatively stable in the short term, although this does not guarantee further reductions in fixed-rate deals. Lenders continue to price mortgages based on market expectations, so fluctuations are still possible. If you’re approaching the end of your current deal, securing a rate early and keeping it under review may be a sensible approach. Those on tracker or variable rates should remain aware that future changes could impact monthly payments, making it important to review your options and ensure you’re on the most suitable deal.
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:
What Insurance Do You Need When Buying a House? Tuesday 8th September 2026 Understanding what insurance you need when buying a house is an important part of preparing for homeownership, particularly if you’re purchasing your property with a mortgage. While
Should You Stay With Your Current Lender or Remortgage? Thursday 6th August 2026 When your current mortgage deal is coming to an end, one of the biggest decisions you’ll face is whether to stay with your existing lender or remortgage
Future Interests Proudly Sponsors Together We Lift to Support Local Mental Health Thursday 9th July 2026 At Future Interests, we believe supporting our community is just as important as supporting our clients. Every day, we help individuals and families achieve
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.
