Welcome to Dorset Financial Planning - Equity Release Bournemouth

For free initial advice call:
01202 416856 or 07862 708429
Call: 01202 416856 or 07862 708429
Call Julia on:
07862 708429 or 01202 416856
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DFP Equity Release is an independent Financial Services business based in Bournemouth, Dorset offering whole-of-market Equity Release and Lifetime Mortgage advice.

DFP Equity Release's goal is to help you achieve the retirement you want and this is realised by providing solutions developed around what you need - a simple and secure way of accessing large amounts of money, with the following key values:

  • Offering honest products and advice you can put your trust in.
  • Plans that are fully explained to you.
  • Transparency and accountability. DFP Equity Release is regulated by the Financial Conduct Authority and proud member of the Equity Release Council (ERC).

It is a big decision to take out equity release and therefore expert, professional advice is important using only qualified equity release advisers who will take the time to understand your needs and explain the products available to you thoroughly.
Lifetime Mortgages and Equity Release can be used by the over 55's to unlock cash from your home for reasons such as:

  • Moving home
  • Making home and garden improvements
  • Divorce/separation and buying your next home
  • Inheritance Tax Planning
  • Buying a holiday home
  • Helping a grandchild onto the property ladder
  • Replacing a car
  • Clearing credit cards and loans
  • Paying off a conventional mortgage such as an outstanding interest only mortgage or lifetime mortgage
  • Going on holiday
  • Helping out a family member with the financial ups and downs of life

Only equity release products suitable for you will be recommended following a full assessment of your personal needs and circumstances.
Equity Release is regulated by the Financial Conduct Authority (FCA), providing protection and security. As an extra safeguard, DFP Equity Release is a member of the Equity Release Council (ERC).

A lot of lifetime mortgage providers are also members of the Equity Release Council provide the following guarantees:

  • You have the right to remain in your home for as long as you choose.
  • You have the freedom to move to another property without financial penalty (subject to provider criteria).
  • You will never owe more that the value of your home due to a ‘no negative equity’ guarantee.


Taking out a equity release lifetime mortgage can have a very positive effect on your life, however, there are some aspects that require your consideration when deciding that an equity release lifetime mortgage is right for you:

  1. Alternative ways of releasing cash such as downsizing or using other assets available to you.
  2. Accessing pension benefits not yet taken.
  3. Grants for essential home repairs or improvements.
  4. Equity Release may not be right for everyone. It may effect your entitlement to state benefits and will reduce the value of your estate.
  5. It may affect your entitlement to means-tested benefits, either now or in the future.
  6. Would family or friends be prepared to provide financial support?
  7. Can you rent out a room or part of your home?
  8. Have you considered your beneficiaries who will receive less inheritance? It would be recommended you get your family or beneficiaries to get involved during the process.  Equity Release can help with inheritance tax planning.
  9. An equity release plan should be viewed as long-term, and you should think about the cost of compound interest over a long period if this is relevant.
  10. You should discuss how changes in taxation could affect your individual circumstances with your financial adviser, accountant and solicitor, particularly if you choose to apply for additional borrowing. Please note that additional borrowing may not be available on some products. Speak to your equity release adviser if you are not sure if you plan permits additional borrowing.


Get the right professional adviser.  Taking out an equity release plan is a big decision and it is important you know all the options and choices available to you. Conduct your own research and to ensure equity release is the right choice for you, make sure you get quality equity release advice. It is also important to discuss this with anyone that your choices may impact in the future, particularly your family.

An equity release adviser has a duty of care to you, which means recommending a suitable plan for you and justify why that choice is right.

With the right professional help, taking out an equity release plan can be a straight forward process.  The following four steps will ensure matters run smoothly:

Step one - equity release advice and discussion
Before taking out any equity release product, it is important to see an adviser who will know which option is best for you circumstances.

Step two - application and home valuation
Once you are happy with all aspects of the mortgage you have discussed with your equity release adviser, they will complete an application form with you. The equity release lender will then arrange to have your property valued.

Step three - offer
Once the valuation has been carried out on your property and the equity release lender has confirmed the amount you can borrow, they will send an offer letter to you, your solicitor and your equity release adviser.

Step four - cash released
Your solicitor wil then finalise the legal document needed to complete your plan and the monies will be paid to you via your solicitor. The whole process is usually undertaken within 8 weeks from the date the application form is received but can be quicker.
Contact DFP today!
Call on 01202 416856 or 07862 708429 or email: julia@equity-release.property

DFP has an office in Southbourne, Bournemouth in Dorset (which you can visit by appointment). Home appointments can be arranged where we visit you and your family at a place and time that suits you. Evening and weekend appointments are also available upon request.
You can search our website here
Contact Us

Address:  7 Ravine Road, Bournemouth, BH5 2DT
Phone:  07862 708429 or 01202 416856

Julia Crump trading as Dorset Financial Planning is an appointed representative of The Right Mortgage Ltd, FCA number 649443. Julia Crump is authorised and regulated by the Financial Conduct Authority, FCA number 779271.
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