
07961130439
Welcome to
Diverse Finance Ltd
We are Whole of the Market Mortgage, Protection Insurance Broker
Whatever change of the circumstances in your life or goals you’re trying to achieve we are here for you.
The business aim is to:
✓ find the best available mortgage/protection/insurance products, which are the most suitable for the customer
✓ create smooth/stress free journey during the process
✓ provide with professional advice and support every step of the way
Take a look at our site and see all that we can do for you.
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About Me
Maggie Malgorzata Delport - Managing Director of Diverse Finance Ltd has been a Financial Professional for over 20 years.
After becoming a mum to extremely prematurely born daughter she has decided to slightly redirect her career to support her family needs. She believes in maintaining a positive mindset,
creating partnerships with a purpose and always striving for significant outcomes.
When you work with her, you should expect a collaboration with transparency and consistency.
Contact her for an initial FREE consultation and see how she can help.
We All know how busy life can be, so feel free to contact her outside of normal office hours by submitting below Contact Us via
e-mail maggied@diversefinanceltd.com, WhatsApp/Messenger or txt on 07961130439. Please be aware face to face meetings in the office or other convenient place must be arrange in advance. The most of the times our clients prefer online meetings in comfort of their homes however we strongly believe each individual know what type of the service they would prefer.
Please get in touch to arrange suitable time and place.
07961130439
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Mortgages
Credit Score
Your credit score has an impact on both the amount a lender is willing to offer you and whether or not they accept your application at all. It’s essential to ensure you are aware
of your credit rating prior to making an application. You should also take any possible steps
to improve it, where necessary.
Ways to improve your credit score:
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Make sure you appear on the electoral roll at your current address
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Ensure your current address is correct on all of your accounts
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Review your credit score report on frequent basis to ensure the information is accurate
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If you have any current credit agreements, stay within 50% of your available credit amount
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Make timely payments on all accounts held in your name and close any unused credit accounts as any large credit limit can be suspicious to the lenders
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If you have a low score due to a lack of credit, special credit builder credit cards can be helpful
You can check your Credit History on below websites for free up to 30 days.
Beyond the 30 day free trial, the service is charged at £14.99
https://www.checkmyfile.com - Credit Report that checks data from Equifax, Experian, TransUnion and Crediva
or Individual websites (the most popular):
Also, there are other free apps for example: Credit Karma, which can help with better understanding of your Credit Score.
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PLEASE DO NOT HESITATE TO CONACT US, IF YOU HAVE ANY QUESTIONS
​07961130439
maggied@diversefinanceltd.com
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Diverse Finance Ltd is an Appointed Representative of Dragon Brokers Limited t/as The Dragon Network which is authorised
and regulated by the Financial Conduct Authority under registration number 599430.
Registered office: Friars House, Manor House Drive, Coventry CV1 2TE Registered in England (14071417)
Diverse Finance Ltd is a credit broker and you can confirm
our registration (975945) on the FCA’s website
The actual APRC you are eligible for depends on individual circumstances.
If you are thinking about consolidating existing borrowing,
you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH REPAYMENTS ON A MORTGAGE
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The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted
at customers in the UK.
The Financial Ombudsman Service (FOS) is an agency for arbitrating of unresolved complaints between regulated firms and their clients. Further details of the FOS can be found on its website:
https://www.financial-ombudsman.org.uk/
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Mortgages
First Time Buyer
The process of getting on the property ladder and getting your First Home can be very exciting but also, can be extremely stressful.
Apart of the deposit required you need to be aware of the other cost involved with purchase of the property:
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Stamp Duty
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Building Survey
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Legal/Conveyancing Fees
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Broker Fees
There are few options available to First Time Buyers. Help To Buy Scheme for New Build properties is one of them. You will be usually required to put down deposit of minimum 5 %, which is cost
of the property you want to buy and Government will back it up
with 20% of Equity Loan.
However, on standard residential mortgages deposit between 10% and 20% is expected.
There are other schemes available:
First Homes
Mortgage Guarantee Scheme
Shared Ownership
Right to Acquire: buying your housing association home
Right to Buy: buying your council home
You can find more information on:
www.gov.uk/affordable-home-ownership-schemes
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PLEASE DO NOT HESITATE TO CONACT US, IF YOU HAVE ANY QUESTIONS
07961130439
maggied@diversefinanceltd.com
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Mortgages
Re-mortgage
Re-mortgaging is changing your current mortgage deal.
There are many reasons that you might want to change your mortgage:
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saving money to buying a larger property
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get lower interest rates
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change for shorter or longer terms
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cover the cost of a refurbishment
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borrow more money
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simply switching for better deal, sometimes by changing product type
BEFORE SECURING OTHER DEBT AGAINST YOUR HOME THINK CAREFULLY.
YOUR HOME MAY BE REPOSSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBT SECURED AGAINST IT.
You can choose to either change your lender or to change your mortgage and stay with the same lender.
Usual fees associated with re-mortgage:
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Arrangement fees
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Legal Fees
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Broker Fees
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PLEASE DO NOT HESITATE TO CONACT US, IF YOU HAVE ANY QUESTIONS
07961130439
maggied@diversefinanceltd.com
​

Mortgages
Home Mover
You are classed as a home mover if you have a mortgage on your current home and plan to move to a new property.
You don’t necessarily need to change your mortgage in order to move home, but you have the option to do so. You could potentially port your mortgage. Porting a mortgage means taking your existing mortgage deal on your current property and transferring it to your new home.
PLEASE DO NOT HESITATE TO CONACT US, IF YOU HAVE ANY QUESTIONS
07961130439
maggied@diversefinanceltd.com

Mortgages
Buy To Let
BUY TO LET MORTGAGES ARE NOT REGULATED BY FINANCIAL CONDUCT AUTHORITY (FCA), BUT CUSTOMER BUY TO LET MORTGAGES ARE.
CBTL mortgages are where owner becomes so called accidental landlord /non-professional landlord.
If you purchase a property to rent out for profit it means you’ll need a Buy to Let mortgage.
It’s illegal to rent out your home if you have a standard residential mortgage without consent from your lender. Usually, BTL mortgages are arranged as interest only rather than repayment.
Before you purchase BLT property you should be aware of few special requirements:
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25% deposit
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You monthly rental should be a least 125% of monthly mortgage payment
& implications:
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3% higher stamp duty
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Income tax payable on rental income
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Capital Gains Tax is payable when you sell property
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​Landlord/Owner cannot live in the BTL mortgaged property
Buy to Let Mortgages trough Special Purpose Vehicle (SPV).
SPV- it is Legal entity formed as Ltd company especially for purpose of purchasing BTL property and can take advantage of tax reliefs/benefits.
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PLEASE DO NOT HESITATE TO CONACT US, IF YOU HAVE ANY QUESTIONS
07961130439
maggied@diversefinanceltd.com
​

Protection
Life Insurance
Life insurance is a lump sum benefit that is paid in the event of death during the term
of the policy to provide support to the loved once.
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Level Term Insurance
This is cover that maintains the amount of cover from the start
of the policy to the end of the term. It is typically taken up to provide
a family who would be financially disadvantaged by your death
with a lump sum pay out. Usually taken to protect Interest Only mortgages where the amount owed stays the same over the term
of the mortgage.
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Decreasing Term Insurance
With this type of policy where the cover amount decreases
as the term of the cover goes by. This type of cover is taken out
in conjunction with a repayment mortgage, where the amount outstanding on the mortgage decreases month by month
as it is repaid. This cover intends to pay out a lump sum to protect
the full mortgage amount, so that the property is not repossessed
in the event of death.
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Whole of Life
This policy provides cover for as long as it is required as there is
no maximum term. It pays a cash lump sum upon death as long
as premiums are maintained throughout the term of the plan.
This cover can assist with funeral costs or leaves behind a legacy for your family.
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PLEASE DO NOT HESITATE TO CONACT US, IF YOU HAVE ANY QUESTIONS
07961130439
maggied@diversefinanceltd.com
​

Protection
Critical Illness
When you diagnosed with serious illness on top of emotional distress you and your loved ones can face potential financial difficulties.
Critical Illness Insurance is designed to help by paying lump sum payment.
The exact illnesses covered by critical illness policies vary between providers but the most standard cover:
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Cancer
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Heart attack
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Organ Failure
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Multiple Sclerosis
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Alzheimer disease
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Parkinson's disease
Often the insurance is sold along life insurance but can be covered by separate policy.
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PLEASE DO NOT HESITATE TO CONACT US, IF YOU HAVE ANY QUESTIONS
07961130439
maggied@diversefinanceltd.com

Protection
Income Protection
Illness and Injury could prevent you from working unexpectedly. When you have a mortgage, bills and other financial commitments
the Income protection policy may be very useful. These policies pay out a monthly income that replaces part of your normal income until you are healthy enough to return to work but can also be paid until you retirement. This proportion of your income (usually around 60%) could help you maintain mortgage, bill payments and replace your loss of income throughout your period of recovery.
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PLEASE DO NOT HESITATE TO CONACT US, IF YOU HAVE ANY QUESTIONS
07961130439
maggied@diversefinanceltd.com

Protection
Buildings and Content
Buildings and Content insurance are the two main types of home insurance.
The buildings insurance covers the cost of repairing structural damage like roof, walls, ceilings, floors, windows, kitchens, bathrooms to the building or rebuilding the property to its previous state.
Typical buildings Insurance covers: flooding, storms, fires, explosions, vandalism, fallen trees, lampposts as well as subsidence.
The Content Insurance covers the cost of replacing furniture, clothes, fittings, jewellery, electronic equipment, TV, computer, mobiles and other personal belongings in case of unfortunate damage or theft.

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