Equity Release Advice in Broadstairs & Thanet
Considering equity release but not sure where to start? Speak to a friendly, independent adviser in Broadstairs. We’ll explain your options clearly, check eligibility, and help you decide—without pressure.
- Minimum age: 55+
- Typical completion time: 6–8 weeks
- Release amount: up to ≈ 60% of property value
- All plans FCA-regulated & Equity Release Council compliant
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
Consolidate borrowing into one later-life plan (advice required).
Gift to Loved Ones
Help family with deposits or education while you see the benefit.
Top Up Retirement Income
Supplement pensions with tax-free cash from your property.
Lifestyle Purchases
Travel, a new car, or hobbies — within a regulated framework.
Medical / Care Costs
Support healthcare or care needs if savings aren’t enough.
Who Can Apply for Equity Release?
Equity release is designed for homeowners aged 55 or over who want to unlock money tied up in their property without selling it. You can still live in your home for as long as you wish, provided it remains your main residence.
- You must own your home (in the UK) and it must be worth at least £70,000.
- Applicants must be aged 55+ — if there’s a joint application, the youngest applicant must meet this requirement.
- Your property must be your main residence and in good condition.
- You’ll need to meet the lender’s basic eligibility checks and valuation criteria.
Our advisers will help confirm eligibility and explain whether equity release is right for you — and if not, we’ll suggest suitable alternatives.
How the Equity Release Process Works
Advice & Application (1–2 weeks)
Your adviser recommends the best lifetime mortgage for your needs and helps complete your application.
Valuation & Offer (2–3 weeks)
The lender arranges a property valuation and issues a formal offer based on your home’s value.
Legal Work (2–3 weeks)
Your solicitor finalises the legal checks and paperwork to ensure full protection for you.
Funds Released
Once approved, funds are released — usually within a few working days — straight to your bank account.
Why Choose Need Financial Planning?
Choosing to release equity is a major decision. At Need Financial Planning, we combine expert, whole-of-market advice with genuine care to help you make confident, informed decisions.
Independent, Whole-of-Market Advice
We compare plans from leading lenders to find the right fit for YOUR goals (not theirs!).
Local Expertise with a Personal 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.
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 welcome loved ones to join your meetings for transparency and reassurance.
Flexible Appointment Options
Meet face-to-face, online or by phone — whatever suits you best.
No Pressure, No Obligation
Our consultations are at our own cost with no-obligation to proceed. No commitment, no rush, just clarity.
James Brown
DipFA CeMAP CeRER
Equity Release Adviser
Based in Broadstairs, James is a qualified Equity Release Adviser who specialises in Lifetime Mortgages. He’s helped countless clients across Thanet and Kent understand their options and make informed, pressure-free decisions. His approach is straightforward, empathetic, and focused entirely on what’s best for you.
Book a Free Consultation →Ready to Talk About Your Equity Release Options?
Whether you’re just exploring or ready to take the next step, our friendly advisers are here to help — face-to-face, online or by phone.
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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.
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