Expert, unbiased advice
We’re independent and whole-of-market. That means no tied panels, no hidden agendas – just clear recommendations based on what’s genuinely right for you.
Independent mortgage & financial advice for Thanet, Kent & beyond
Independent Financial Advice, Based in Broadstairs
Your friendly face of finance in Thanet, Kent & beyond
At Need Financial Planning, we take the time to understand your situation, explain your options in plain English and support you from first questions through to long-term planning. Mortgages, protection, pensions and investments – all under one roof.
Our Service Suite
Mortgages
From first-time buyers to home movers, remortgages, buy-to-let and self-employed lending — we’ll join the dots for you.
Explore mortgage advice →Protection
Life cover, critical illness and income protection that fits your budget and priorities — without the hard sell.
Review your protection →Pensions & Investments
Retirement planning, pension reviews and long-term investment portfolios designed around your goals and risk appetite.
See pension & investment advice →Equity Release
Later-life lending advice delivered with care — including calculators, FAQs and clear guidance for you and your family.
Learn about equity release →
Not sure where to start?
Take a look at our free tools & guides
How can Need Financial Planning help you?
Whether you’re buying your first home, reviewing your protection, planning for retirement or looking at later-life lending, we’ll meet you where you are and build a plan that makes sense.
Personalised, no-jargon support
We’ll translate the small print into normal language, walk you through your options and make sure you always know what’s happening next.
Ongoing support & peace of mind
We don’t disappear once the paperwork’s signed. We’re here for future reviews, protection checks and the “can I just run this past you?” questions.
Rooted in Broadstairs, here for clients across Thanet & Kent
We work with clients from all over the UK, but our heart is firmly in Broadstairs and the wider Thanet area. That means we understand local property markets, employers, and the realities of balancing family life, rising costs and long-term plans.
Whether you prefer a video call, a quick phone chat or popping into the office, we’ll work in a way that feels comfortable for you.
- In-depth mortgage, protection, pension and investment advice.
- Clear action plans instead of confusing jargon and guesswork.
- A long-term relationship, not a one-off transaction.
Tools to support you at every stage
From first-time buyers to planning your retirement income, these free tools are here to help you sense-check ideas, spot potential costs and feel more prepared before we talk things through properly.
Buying your first or next home
Work out Stamp Duty, monthly payments and the impact of overpaying your mortgage.
Understanding the jargon
Look up confusing mortgage and financial terms in our plain-English Jargon Buster.
Exploring later-life options
See what releasing equity or using your home in retirement could look like.
Planning for retirement
Estimate how much income your pensions and savings could provide in later life.
What our clients say about us
We’re proud to help homeowners, buyers, landlords and retirees across Broadstairs, Thanet and the wider Kent coast. Here’s what some of them had to say.
Meet the team behind the advice
You’ll always know who you’re dealing with. James leads our wealth management and retirement planning, Rob looks after mortgages and protection, and Lucy and Chrissie keep everything running smoothly behind the scenes.
James Brown – DipFA CeMAP CeRER
Director & Financial Adviser
Wealth Management & Retirement Planning
James leads our pensions, investments and retirement planning service, helping clients build and protect long-term wealth. He also continues to look after many of his long-standing mortgage clients, making sure their borrowing and planning stay joined up.
Robert Brown – CeMAP ACA
Director & Mortgage & Protection Adviser
Mortgages & Protection
Rob is our mortgage and protection specialist. From first-time buyers and home movers to remortgages, landlords and complex income cases, he’ll guide you through the options and make sure your cover protects the people and plans that matter most.
Lucy Baron
Office Manager
Case management & Office Operations
Lucy is the reason everything runs so smoothly. She handles mortgage cases with care, keeps clients updated and makes sure annual wealth management reviews are booked on time. She’s also the one who keeps the rest of us organised — whether we admit it or not.
Chrissie Swain
Admin & Marketing
Client communications & resources
Chrissie looks after the guides, email updates and little touches that help you feel informed, reassured and supported at each stage of your journey with us.
Ready to talk things through?
Whether you’re just starting to explore your options or you’ve got a specific goal in mind, we’re here to help you make confident decisions with calm, clear advice.
Join our community
Follow along for mortgage tips, financial guidance, local updates and behind-the-scenes at Need Financial Planning.
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.
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