Equity Release Advice in Broadstairs, Kent – Unlock the Value in Your Home

Equity Release Council Member - Need Financial Planning

Thinking about equity release but unsure where to start? As your local, independent equity release advisers in Broadstairs, we’re here to help you understand your options with clear, honest advice. Whether you want to boost your retirement income, clear debts, or support loved ones, equity release could offer the freedom to enjoy life on your terms—without having to move home.

Independent Equity Release Advice

Our providers include:

What can Equity Release be used for?

Adapt/ Improve your Home

Make your home safer, more comfortable, or better suited to your future needs.

Clear Existing Debt

Pay off credit cards, loans or even an existing mortgage to reduce monthly stress.

Gift to Loved Ones

Gift money to children or grandchildren—whether for a deposit, tuition, or a fresh start.

Top Up Retirement Income

Supplement your pension with a lump sum or flexible drawdowns for everyday living.

Lifestyle Purchases

Travel, hobbies, a new car—use your home’s value to enjoy the retirement you deserve.

Medical/ Care Expenses

Fund in-home care, home modifications, or private treatment without compromising your savings.

Why choose Need Financial Planning for Equity Release?

Choosing to release equity is a big decision—and having the right adviser matters.

Expert, Local Advice with a Human Touch – Based in Broadstairs, we understand the local market and your needs. Our team takes the time to explain everything in clear, jargon-free terms, ensuring you feel comfortable at every stage.

Independent and Unbiased Advice – We work with a wide range of lenders to find the right fit for you.

Honesty First – If equity release isn’t in your best interest, we’ll say so. Our priority is your financial wellbeing, not making a sale.

Family Involvement Encouraged – We're happy to involve your loved ones for peace of mind.

Home Comfort Appointments – Discuss everything where you're most comfortable, and at your pace.

No Pressure, No Obligation – Our consultations come with zero commitment. If you decide not to proceed, you won’t be charged a fee.

Keen to Learn More about Equity Release?

Equity Release Calculator

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Equity Release FAQs

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Equity Release Guide

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Client

Stories

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Equity release will reduce the value of your estate and may also affect your entitlement to means-tested benefits. You should always think carefully before securing a loan against your home.

Unless you decide to go ahead with a plan, our service is completely free of charge, as our fixed advice fee of £795 is only payable on completion of a plan.

A lifetime mortgage is the most popular form of equity release, and is a loan secured against your home that’s typically repaid when you pass away or go into long-term care.

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.