Your wealth , your home ,
your story .
Helping you craft your next chapter with confidence and clarity.
Independent Mortgage & Financial Advice in Thanet - Local Experts You Can Trust
From first-time buyers to planning for retirement, we help you secure the right deals and protect your future.
Mortgage Services
Explore our mortgage services, including first-time buyer assistance, remortgage options, and buy-to-let advice.
Pension & Investments
Plan for your future with our expert pension advice and investment strategies.
Protection Services
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.
Independent Mortgage & Financial Advice for Thanet, Kent & Beyond.
Explore our mortgage services, including first-time buyer assistance, remortgage options, and buy-to-let advice.
Plan for your future with our expert pension advice and investment strategies.
Equip yourself and loved ones with financial resilience, whatever life throws your way.
Access independent equity release advice and discover what your home’s value could do for you.
Authorised & Regulated by the Financial Conduct Authority (No. 977136) | Member of the Equity Release Council | Serving Broadstairs, Margate, Ramsgate, and all Thanet.
How can Need Financial Planning help you?
At Need Financial Planning, we take the time to understand your situation, explain your options in plain English, and give you the confidence to make the right decisions for your future.
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.
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.
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.
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!
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!
Join our community
Follow along for market news, mortgage tips and client success stories.
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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