Is my current deal still competitive?
We’ll compare your lender’s offers with the wider market so you can see if a simple switch or a full remortgage makes more sense.
Remortgage Advice & Support
Not sure of your remortgage options? We’ll help you make the right choice.
Whether your fixed rate is ending, you’re worried about rising payments, or you’d like to borrow more for home improvements, we’ll walk you through your choices in plain English. We’ll compare staying with your current lender versus switching, explain the pros and cons, and help you move onto a mortgage that actually fits where you are now.
Not sure which call you need?
See the difference between Intro & Strategy Calls
Remortgage advice for Broadstairs, Thanet & the wider Kent coast
Worried about what happens when your deal ends?
Most people we speak to feel uneasy about remortgaging: “Will my payments shoot up?”, “Do I have to stay with my current lender?”, “Can I borrow more without over-stretching?”.
Our job is to take the guesswork out of it. We’ll review your current mortgage, explain your options in plain English, and show you the numbers side by side – so you can make a calm, informed choice instead of feeling rushed or confused.
What will my new monthly payments look like?
We’ll model different rates, terms and options so you can see how your payments might change and what feels comfortable.
Can I safely borrow extra?
Whether it’s for home improvements, debt consolidation or another goal, we’ll show you how much you could borrow – and the long-term impact.
What if my situation has changed?
New job, self-employed, maternity leave or credit blips – we’ll talk through how lenders may view things and which options are realistic.
Your remortgage roadmap
From first questions to your new deal going live, here’s how we guide you through. You’ll always know what’s happening, why it’s happening, and what we’re doing in the background.
Intro Call
A short, informal chat to talk through when your current deal ends, what you’re worried about and what you’d like to achieve – lower payments, more certainty, borrowing extra or all three.
Best if you’re just starting to explore your options.
Strategy Call & Information Gathering
We take a deeper look at your income, commitments, property value and goals. Before the call you’ll complete a fact-find and share key documents so we can run the numbers properly and spot any hurdles early.
Review of Your Current Mortgage
We go through your existing deal, early repayment charges and expiry dates. We’ll explain what happens if you do nothing, versus switching with your current lender or remortgaging elsewhere.
Research & Recommendation
We search suitable lenders and products based on your plans, then present clear options – including estimated payments, fees and the pros and cons of each route.
Decide & Prepare Your Application
Once you’re happy with a recommendation, we prepare all the paperwork, double-check documents and make sure everything is lined up so the application can be submitted smoothly.
Valuation & Lender Checks
The lender carries out a valuation (often automated) and underwrites your case. We handle queries, chase updates and keep you posted so you’re never left wondering what’s going on.
Offer Issued & Legal Work
Once the offer is issued, any legal work is completed in the background. For many simple remortgages this is very straightforward – we’ll explain exactly what’s needed in your case.
Completion & New Payments Start
Your new deal replaces your old one, your payments switch over and we’ll confirm everything in writing. We’ll also talk about future reviews so you’re not left drifting onto a high variable rate again.
Clear timelines, no last-minute surprises.
Helpful tools while you’re weighing up your options
Prefer to play with the numbers first? These free tools give you a feel for how different rates, terms and overpayments might look before we talk things through properly.
Monthly Mortgage Payment Calculator
See how different loan amounts, terms and interest rates could look each month.
Mortgage Overpayment Calculator
Check how small overpayments could save interest and shorten your mortgage term.
Mortgage Jargon Buster
Plain-English explanations of the terms you’ll see in your remortgage paperwork.
Intro Call vs Strategy Call – What’s the Difference?
Not sure which appointment to choose? These FAQs explain how each call works and what to expect.
Which call is right for me?
In short: if you’re just starting out and want a friendly chat about your options, an Intro Call is perfect. If you’re ready to look at detailed numbers and specific recommendations, a Strategy Call is the better fit.
- Intro Call: informal, around 15 minutes, ideal for early questions and next steps.
- Strategy Call: detailed, up to 60 minutes, includes research, figures and tailored advice.
If you’re unsure, don’t worry – book whatever feels closest, and we’ll make sure the conversation focuses on what matters most to you.
The Intro Call is a short, informal chat designed for those who want to explore their options
before diving into the full mortgage process. It’s a great way to ask initial questions,
understand how we can help, and decide on the best next steps.
The Strategy Call is a more in-depth conversation where we take a closer look at your mortgage goals, financial situation and eligibility. This call helps us outline potential options tailored to you, including indicative affordability and monthly payments.
If you're unsure which to choose, start with the Intro Call – we can always book a Strategy Call when you're ready for more detail.
The Strategy Call is a more in-depth conversation where we take a closer look at your mortgage goals, financial situation and eligibility. This call helps us outline potential options tailored to you, including indicative affordability and monthly payments.
If you're unsure which to choose, start with the Intro Call – we can always book a Strategy Call when you're ready for more detail.
Intro Calls take place either over the phone or via Microsoft Teams.
Strategy Calls are typically held via Microsoft Teams, but if you’d prefer to meet in person at our Broadstairs office, just reply to your confirmation email to let your adviser know.
Strategy Calls are typically held via Microsoft Teams, but if you’d prefer to meet in person at our Broadstairs office, just reply to your confirmation email to let your adviser know.
No, there’s absolutely no cost for any of the mortgage calls. We believe in offering support
and guidance upfront, so you can ask all the questions you need – completely obligation-free.
That’s completely fine. If you’re unsure, just pick the one that feels closest to your situation.
During the call we’ll focus on the goals that matter most to you – and if you’d benefit from a
more detailed Strategy Call afterwards, we can arrange that together.
The Intro Call is a quick, informal chat usually lasting around 15 minutes.
The Strategy Call is more detailed and typically lasts around 45–60 minutes, although we block out 90 minutes to ensure we have plenty of time to explore your situation, assess your options and answer all of your questions.
The Strategy Call is more detailed and typically lasts around 45–60 minutes, although we block out 90 minutes to ensure we have plenty of time to explore your situation, assess your options and answer all of your questions.
After the call, we’ll email you with a summary of what we discussed, along with any next steps.
There’s no obligation to proceed, but if you’re ready, we’ll guide you through the mortgage
process from start to finish.
Of course – life happens. You’ll find a reschedule button in your confirmation email so you can
choose a new time that works better for you.
It’s not essential, but providing documents such as proof of income, your credit report
and recent bank statements before a Strategy Call can be really helpful. It gives your adviser
a chance to review your information and identify any potential hurdles ahead of time, so you
can get the most out of the session.
Meet the team who’ll handle your remortgage
You’ll always know who you’re dealing with. Your remortgage advice will be handled by James or Rob, with Lucy and Chrissie keeping everything on track behind the scenes.
James Brown – DipFA CeMAP CeRER
Director & Financial Adviser
Financial & Mortgage Advice
James specialises in helping clients see the bigger picture – from your current mortgage deal through to long-term financial planning, pensions and later-life lending.
Robert Brown – CeMAP ACA
Director & Mortgage & Protection Adviser
Mortgages & Protection
Rob is calm, clear and detail-focused. He’ll help you understand your remortgage options, weigh up product transfers versus switching lenders, and make sure everything is set up properly – with protection advice to keep you and your loved ones secure.
Lucy Baron
Office Manager
Case Management
Lucy keeps your remortgage application moving – chasing updates, coordinating paperwork and making sure you always know what’s happening next.
Chrissie Swain
Admin & Marketing
Client Comms & Resources
Chrissie looks after the guides, updates and little touches that make the remortgage process feel clearer and more organised from day one.
What our clients say about us
We’re proud to have helped first-time buyers, home movers and remortgagers across Broadstairs, Thanet and beyond. Here’s what some of them had to say:
Remortgage FAQs
Remortgaging soon? Here are the answers people usually need
Whether your rate is ending, payments are rising, or you’re thinking about borrowing more, these quick answers will help you understand your options and the timing.
When your fixed rate ends, most lenders move you onto their Standard Variable Rate (SVR). SVRs are often higher (and can change), so it’s usually worth reviewing your options well before the end date.
The key is timing: you want enough breathing space to compare deals, factor in fees, and avoid drifting onto the SVR by default.
It depends. Staying with your current lender (a “product transfer”) can be quicker and may involve less paperwork. Switching lender (a full remortgage) can sometimes save money, but you’ll want to compare the rate and the fees.
We will always compare both routes and recommend what actually makes sense for your situation — not just the headline rate.
Many people start reviewing their options around six months before their deal ends. Some lenders allow applications to be submitted months in advance, which means you can secure a rate and still complete closer to the end date.
We’ll also check any early repayment charges so you don’t switch too soon and accidentally create an unnecessary cost.
Often, yes — subject to affordability and the lender’s criteria. People commonly borrow more for home improvements, consolidating debts, or other “capital raising” reasons.
If you’re increasing the mortgage, we’ll look at the cost of borrowing more, the impact on monthly payments, and whether it’s better to take it as a single loan or a separate “further advance”/additional borrowing.
If you stay with your current lender on a product transfer, you may not need to supply much paperwork. If you switch lender (a full remortgage), it’s common to be asked for updated documents such as payslips, bank statements, and proof of any additional income.
We’ve put the full document checklist together here:
Read more: mortgage application documents
Yes — it’s one of the best times. Your mortgage is a long-term commitment, and remortgaging is a natural checkpoint to make sure your cover still matches your life now (especially if your borrowing is increasing, you’ve had children, or your monthly budget has changed).
If you want a plain-English overview of the main protection options, start here:
Read more: protection overview
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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