**Your wealth , your home ,**

Based in Thanet in Kent, we take the time to understand your situation, break down your options in a way that makes sense, and give you the confidence to make the best decisions for your future. Whether it’s mortgages, life insurance, or long-term financial planning, we’re here to help—whenever you need us.

With so much financial advice out there, it’s hard to know who to trust. That’s why we do things differently. We believe in straightforward, honest conversations—no jargon, no hard sales, just advice that’s right for you.

Independent Mortgage & Financial Advice for Thanet, Kent & Beyond.

Mortgages >

Explore our mortgage services, including first-time buyer assistance, remortgage options, and buy-to-let advice.

Pensions & Investments >

Plan for your future with our expert pension advice and investment strategies.

Protection >

Equip yourself and loved ones with financial resilience, whatever life throws your way.

Equity Release >

Access independent equity release advice and discover what your home’s value could do for you.

Advice you can trust, from people who care.

At Need Financial Planning, we take the time to understand your situation, break down your options in a way that makes sense, and give you the confidence to make the best decisions for your future. Whether it’s mortgages, life insurance, or long-term financial planning, we’re here to help—whenever you need us.

How can Need Financial Planning help you?

Expert,

unbiased advice

We search the whole market to find the best mortgage, protection, or financial solution for you—no bias, just honest recommendations.

Personalised service,

no jargon

We take the time to understand your goals and explain everything clearly and simply—so you feel confident every step of the way.

Ongoing support &

peace of mind

We’re not just here for the

transaction—we’re your financial partner for life, ready to help whenever you need us.

Tools

These calculators are quick to use, easy to understand, and designed to give you answers that matter. They're ideal for anyone looking to take control of their mortgage journey with clarity and confidence.

Stamp Duty Calculator

Quickly calculate how much Stamp Duty you’ll need to pay when purchasing property. Whether you’re a first-time buyer, moving home or thinking of purchasing an investment property, get clear answers.

Stamp Duty Calculator >>

Repayment Calculator

Use this tool to work out your monthly mortgage repayments based on your loan amount, term and interest rate. See the total cost over the life of your mortgage and how much interest you’ll pay.

Repayment Calculator >>

Overpayment Calculator

Find out how making regular overpayments can reduce your mortgage term and save you thousands in interest. A great tool if you're looking to pay off your mortgage faster.

Overpayment Calculator >>

What our clients say about us ✪✪✪✪✪

We’re proud to help homeowners, buyers, and investors across Broadstairs, Kent and beyond with expert mortgage and financial advice. See what our happy clients have to say!

Write a Review

What our clients say about us ✪✪✪✪✪

We’re proud to help homeowners, buyers, and investors across Broadstairs, Kent and beyond with expert mortgage and financial advice. See what our happy clients have to say!

Write a Review

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IMPORTANT: With investments, your capital is at risk. Pensions and investments can go down in value as well as up, so you could get back less than you invest.

Need Financial Planning Ltd is registered in England and Wales no. 10901658. Registered office, 123 High Street, Broadstairs, Kent, CT10 1NQ. Authorised and regulated by the Financial Conduct Authority. Need Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 977136. If you wish to register a complaint, please write to [email protected] or telephone 01843 228800. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.