Need Financial Planning

At Need Financial Planning, we understand that life is full of big decisions – and navigating your finances can sometimes feel overwhelming. That’s why we’re here: to offer clear, straightforward advice tailored to your needs, so you can feel confident about your financial future.

Based in Broadstairs, Kent, we help individuals and families across the UK with everything from buying their first home to planning for retirement.

How We Can Help You

• Mortgages: We know getting a mortgage can feel like a daunting process, but it doesn’t have to be. Whether you’re a first-time buyer, moving home, remortgaging, or investing in a buy-to-let property, we’ll guide you every step of the way.
• Pensions & Investments: Thinking about your future? So are we. From planning for retirement to growing your savings, we’ll help you make sense of your options and create a plan that works for you – no jargon, just clear advice.
• Protection Policies: Life can throw unexpected challenges our way, and that’s where protection comes in. We’ll work with you to ensure you and your loved ones are financially secure, whether through life insurance, income protection, family income benefit, or critical illness cover. It’s all about preparing for life’s 'what ifs' and giving you the peace of mind that comes with financial resilience.
• Equity Release: For homeowners over the age of 55 looking to unlock some of the value tied up in their property, we offer equity release advice. It’s not the right fit for everyone, but we’ll help you weigh up the pros and cons to decide which route is best for you.

No Obligation, No Pressure

We know how important it is to find the right advice, which is why our initial consultations are completely no obligation – and we’ll cover the cost. It’s your chance to ask all the questions you need, get to know us, and see how we can help. No hard sell, just honest advice to help you take those next steps with confidence.

Why Choose Us?

We believe financial planning should be simple, straightforward, and, most importantly, personal. We’ll take the time to understand your goals, priorities, and concerns so we can give advice that truly fits your current circumstances and future plans.

We also make a point of keeping things human – no confusing terms or sales talk, just honest conversations to help you make the best decisions.

Let’s Chat

If you’re ready to take the next step – whether it’s sorting your mortgage or planning for the years ahead – we’d love to help.

Let’s make those big financial decisions feel a little easier – together.