Starting out
First-Time Buyers
Understand deposits, affordability, credit scores and how the process really works – with friendly support from your first viewing to getting the keys.
Explore first-time buyer options →
Find the Right Mortgage for Every Stage of Your Journey
Whether you're buying your first home, remortgaging for a better deal, moving up the ladder or investing in buy-to-let, our advisers in Broadstairs are here to help you make confident, informed decisions.
Mortgages for Broadstairs, Thanet & the wider Kent coast
Select a Mortgage Path to Get Started
Choose the option that best fits where you are right now. Each section walks you through the basics, answers common questions and shows your next steps.
Reviewing your deal
Remortgage
See whether you could reduce your monthly payments, fix your rate or release money for home improvements – without unnecessary stress.
Look at remortgage routes →Moving home
Home Mover
Moving up, down or sideways? We’ll help you work out what you can afford and how to coordinate selling and buying with as little drama as possible.
Plan your next move →For landlords
Buy-to-Let
From your first rental to building a portfolio, we’ll guide you through stress tests, deposits, lender criteria and what the numbers really mean.
Explore buy-to-let options →Later-life options
Equity Release
If you’re 55+ and looking to release money from your home, our equity release hub explains lifetime mortgages in plain English, with clear pros, cons and alternatives.
Visit the equity release hub →Self-employed & directors
Self-Employed Mortgages
Support for sole traders, limited company directors and contractors – from proving income to choosing lenders who understand how you’re paid.
View self-employed mortgage help →Other mortgage situations we can help with
Not sure where you fit? We regularly help clients with more complex needs too.
Tools & Calculators
Prefer to play with the numbers first? These free tools give you a quick feel for what’s possible before we chat things through properly.
Monthly Mortgage Payment Calculator
See what different loan amounts and terms might cost each month.
Open calculator →Mortgage Overpayment Calculator
Check how small overpayments could save interest and shorten your term.
Open calculator →Mortgage Jargon Buster
Plain-English explanations of the terms you’ll see in paperwork.
Browse jargon buster →Later-Life Mortgage Options & Equity Release
If you’re 55 or over and considering releasing money from your home, start here.
Overview
Equity Release Advice Hub
Clear, impartial information on lifetime mortgages, how they work, and when they may – or may not – be right for you.
Visit the equity release hub →
Quick estimate
Equity Release Calculator
Get an anonymous estimate of how much you may be able to release, based on your age and property value.
Try the calculator →
Questions
Equity Release FAQs
Answers to common questions on eligibility, interest roll-up, inheritance, moving home and more.
Read FAQs →Meet Your Broadstairs Mortgage Team
A small, friendly team based on Broadstairs High Street – here to help with mortgages, protection and wider financial planning.
Director
James Brown DipFA CeMAP CeRER
Director and Financial Adviser
Director
Robert Brown CeMAP ACA
Director and Mortgage & Protection Adviser
Client support
Lucy Baron
Office Manager
Admin & marketing
Chrissie Swain
Admin & Marketing
Ready to talk through your mortgage plans?
Share where you are in your journey and we’ll help you map out the next steps – whether you’re ready to apply now or just starting to explore your options.
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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