Our aim is to navigate, educate and deliver all things mortgage.

Meet the Team

Click on the below images to find out more about us!

The Personal Touch...

Discover your tailor made financial solutions.

At Need Financial Planning (also trading as Need Mortgage Hub) you’ll find a team ready to listen to your unique financial needs and objectives. We don’t believe in shoehorning our clients into a ‘one product fits all’ scenario. Instead, we take the time to understand not only your current circumstances but also what your future goals are. In doing so, we can propose practical solutions and map out a mortgage journey that is not only efficient but is also comfortable to you.

A few fun facts about us : )

  • We're (very) proud sponsors of Thanet Wanderers RFC, a team that our founder Colin Brown was a huge part of as player, coach and fan.
  • Our team expanded and moved to Broadstairs recently. We're thoroughly enjoying being submerged in the High Street vibe and the amount of friendly faces we have popping in to join us for a cuppa & chat.
  • We're whole of market, independent advisers - no bias here, just reliable, straightforward advice.
  • We're all keen football fans, with an almost even split of United and Arsenal fans. We do have a Spurs fan too, but we try to avoid mentioning that.

  • We drink a lot (A LOT) of coffee. And eat a lot of biscuits.


Where do we start? We can't talk about Need Financial Planning without mentioning our wonderful Colin. It was Colin that started this business after all! He was incredibly warm, funny and a big personality here; we miss him terribly since his passing in January 2021. He set incredible foundations for us at Need FP, and his genuine love and care for his clients is something that we have wholeheartedly adopted. We are so, so grateful for the love and support that we have received in return from you all.

Need Financial Planning has been left in the very capable hands of Colin's sons, Rob and James. They've already expanded the team and moved the office to the charming high street of Broadstairs - which was their dad's dream for the business.

Well done boys - you are doing him (and us) proud.

'Working with Need Financial Planning was a joy.

Everything ran smoothly from the beginning of the process until the end. Warning: if Colin Brown pays you a visit, hide your chocolate biscuits!!'

- Ron Smith