We search the market to find you the best possible mortgage
We have access to over 27,000+ mortgages and over 70+ lenders
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:
Fixed-Rate Ending? How to Secure the Best Remortgage Deal
Fixed-Rate Ending? How to Secure the Best Remortgage Deal Thursday 5th December 2024 If your fixed-rate mortgage is coming to an end, now is the time to start thinking about your next steps. Many homeowners make the mistake of waiting
Understanding Affordability Assessments for Mortgages
Understanding Affordability Assessments for Mortgages Friday 14th November 2024 One of the first questions many aspiring homeowners have is, “How much can I borrow?” Knowing your borrowing potential makes it easier to budget, narrow down home options, and approach lenders
When and Why to Remortgage: A Remortgaging Guide
Remortgage Guide Friday 1st March 2024 At Future Interests, we understand that the financial landscape is ever-changing, presenting opportunities for homeowners to optimise their mortgages and unlock substantial savings. Remortgaging stands out as a strategic move, offering the chance to
Latest Mortgage News
Last Updated: 7th November 2024
The Bank of England has announced a second base rate cut this year, bringing it down from 5% to 4.75%. This 0.25% decrease comes as a relief for many mortgage borrowers, particularly those on variable rates. Here’s what this change means for different types of mortgage holders:
Fixed-Rate Mortgage Holders:
If you’re on a fixed-rate mortgage, your monthly payments remain the same until the end of your fixed term. However, with the recent rate cuts, it’s worth exploring new deals if your fixed rate is ending soon. Locking in a new rate three to six months before your current deal ends can help you avoid being moved onto a standard variable rate (SVR), which is typically more expensive.
Tracker Mortgage Holders:
For those on tracker mortgages, which follow the base rate, this reduction means a lower interest rate and smaller monthly payments. Expect to see the changes reflected in your payments within days or weeks, depending on your lender’s repayment cycle.
Standard Variable Rate (SVR) Holders:
If you’re on your lender’s SVR, the rate you pay might decrease, though lenders adjust SVRs at their discretion. SVRs are currently high, often ranging between 7% and 8%, so you may save significantly by switching to a lower fixed or tracker rate.
Considering a Tracker or Flexible Mortgage:
If your current mortgage deal is ending soon and you’re not ready to commit to a new fixed rate, a tracker mortgage without early repayment charges may offer a temporary solution. Trackers provide flexibility, allowing you to switch to a fixed deal without penalties if rates drop further. However, be aware that tracker rates are currently more than one percentage point higher than the best fixed-rate options, so consider carefully before making this move.
We understand that navigating these changes can feel overwhelming. At Future Interests, we’re here to help you find the right solution for your unique situation. Whether you’re looking to secure a new fixed rate, explore a tracker option, or simply get advice on the best course of action, reach out to our team for tailored guidance. Let us help you make informed decisions and potentially save on your mortgage amidst these changing times. Contact us today to find out how we can help you save on your mortgage.
Mortgage Advice
Explore the range of mortgage solutions we offer:
First Time Buyer
First-time buyer mortgages, providing you with the knowledge and insights needed to make informed choices on your way to homeownership.
Moving Home
Moving to a new home opens up a world of possibilities, and choosing the right mortgage is a crucial step in this exciting journey.
Remortgaging
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
Buy-to-let mortgages offer a pathway for individuals seeking to purchase properties with the intention of becoming landlords.
Shared Ownership
A specialist type of mortgage designed to give first-time buyers the chance to purchase a share in a new build property.
HMO Mortgages
One of the most lucrative opportunities in the UK’s real estate market is investing in Houses in Multiple Occupation (HMOs).
Let to Buy
Considering renting out your current home and purchasing a new property? Let to Buy Mortgages might be the perfect solution for your needs.
Self Employed
When it comes to getting a mortgage, self-employed individuals often face unique challenges compared to those who have a traditional job.
CIS Worker
Designed to address the unique needs of contractors. We understand the challenges faced by (CIS) workers when it comes to securing a mortgage.
New Builds
Obtaining a mortgage for a new-build property can be a complex process, as some lenders perceive them to be a higher risk investment.
Poor Credit Profile
Individuals with poor credit profiles may have a harder time getting approved for a mortgage, as they are viewed as high-risk borrowers.
Product Transfers
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:
Critical Illness Cover
(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
Life insurance is more than just a financial instrument, it’s a cornerstone of financial security that can safeguard your family’s future.
Income Protection
(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.
Family Income Benefit
(FIB) insurance, is a type of life insurance that provides financial protection to the policyholder’s family in the event of their death.
Home Insurance
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
Request an Appointment