Need Financial Planning Ltd

Reference number: 977136

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When needfp.co.uk first appeared online, and whether it can receive email
  • What kind of line 01843 228800 is
  • Who else gives the postcode CT10 1NQ
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Other names (1)

If you were contacted under any of these names, it is this firm.

  • Need Mortgage Hub Trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (14 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL Advisor
  • Acting as a CBTL arranger
  • Acting as a CBTL Arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
10901658
Company status
Active
Company type
Private limited company
Incorporated
7 August 2017 (9 years old)
Registered office
123 High Street, Broadstairs, Kent, CT10 1NQ, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Administration of financial markets (SIC 66110)
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
James Louie Brown Director Mar 1993 22 Oct 2018 None
Robert Patrick Brown Director May 1987 1 Mar 2021 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 3 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 August 2025Micro-entity accountsNot audited

Net assets

−£70.2k

Up £7,096 from −£77.3k

Employees (average)

5

Same as 5

Owed within a year

£6,293

+83% from £3,438

Net assets are negative: on its last balance sheet the company owed £70.2k more than it owned.

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 10901658. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Need Financial Planning’s history from the FCA register and Companies House, newest first.

Key events (9) All events (16)

2022

3 October 2022

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2021

13 January 2021

  • Colin Brown stopped being a part-owner
  • Lesley Brown stopped being a part-owner
  • Robert Patrick Brown became a part-owner (25–50% of shares)

Companies House

2019

1 May 2019

  • James Louie Brown became a part-owner (25–50% of shares)

Companies House

2017

7 August 2017

  • Incorporated at Companies House
  • Colin Brown became a part-owner (25–50% of shares)
  • Lesley Brown became a part-owner (25–50% of shares)

Companies House

In the full report: all 16 events

  • All 16 events in its history (9 shown here)
  • Every director appointment and resignation: 4
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Firms like Need Financial Planning

Other firms of the same type (financial adviser), nearest first.

In Kent

Auctus Advisors LLPKentAuthorisedC A Financial Services LtdKentAuthorisedD Bragg Financial Solutions LtdKentAuthorisedDirect Financial Planning (UK) LimitedKentAuthorisedInvicta Financial Solutions LtdKentAuthorisedMichael Edwin HarwoodKentAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Need Financial Planning

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 16 events in its history

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Frequently asked questions about this firm

Is Need Financial Planning Ltd FCA authorised?
Yes, Need Financial Planning Ltd (FRN 977136) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2022 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Need Financial Planning’s phone number and website?
The FCA register lists the phone number 01843 228800 and the website needfp.co.uk for Need Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Need Financial Planning a scam or clone?
Need Financial Planning is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Need Financial Planning?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Need Financial Planning to the Financial Ombudsman Service, free of charge.
Who owns Need Financial Planning?
Companies House lists 2 people with significant control of Need Financial Planning: Mr Robert Patrick Brown (25–50% of shares) and Mr James Louie Brown (25–50% of shares). Before that, it was controlled by Mr Colin Brown and Mrs Lesley Brown.
Who runs Need Financial Planning?
Companies House lists 2 directors of Need Financial Planning: James Louie Brown and Robert Patrick Brown.
How long has Need Financial Planning been in business?
The company was formed on 7 August 2017, and has held its current FCA authorisation since October 2022.
What do Need Financial Planning’s latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of −£70.2k (up £7,096 from −£77.3k).
Does Need Financial Planning use any other names?
It trades as Need Mortgage Hub.

Sources and links

The full report on Need Financial Planning Ltd

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