free free mortgage broker and adviser…

Choose a fee free mortgage broker
don’t just leave it to chance !

If you decide to use MDFS, your Fee Free mortgage broker, you will not pay any more for your mortgage than you would when going direct to your own bank or building society for the same mortgage deal.



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5 Stars - Based on 118 User Reviews
  • David Hill02/08/21

    Bill and MDFS Mortgages helped to get me on the property ladder some years ago, and have been offering a... read more

    Jordan G21/07/21

    Bill was absolutely fantastic and took us through every part of our mortgage application extremely clearly and found us a... read more

  • Alice Walton14/07/21

    I highly recommend Terry Massey to anyone who needs a great Mortgage Broker. Terry always picked up the telephone which... read more

    Jo Rice09/07/21

    Great service from Bill at MDFS Mortgages. Mortgage agreed in less than 15 mins - amazing! Great communication, professional... read more

  • Mary Omoma01/07/21

    Thank you Terry for the excellent service you provided for our remortagage
    the process was clearly explained to us and the...
    read more

    Andy Hurford26/06/21

    Excellent experience with Terry at MDFS Mortgages. Would definitely recommend (we were recommended by a friend who used them first... read more

  • Ferdy Willans23/06/21

    Terry Massey provided incredible support from start to finish to my brother and I on the purchase of our first... read more

    Fred Willans23/06/21

    Terry Massey was incredibly helpful and always available on the phone to answer any questions and to provide general advice

  • Shahd Ibrahim18/06/21

    Terry was absolutely brilliant throughout our mortgage process - would highly recommend him. We had a complex situation and he... read more

    Ali Hassan18/06/21

    Great service and advice again. I've used Bill for all my mortgages and am happy to recommend MDFS to anyone.

  • Rachael Benjamin17/06/21

    Brilliant service. Terry Massey brokered our mortgage recently and we were so impressed with the service we received. Terry was... read more

    Theo Nicou16/06/21

    Terry guided us expertly through the process. He was invaluable in dealing with the complexities that arose and was always... read more

  • Michael Hammond10/06/21

    My fiancée and I have just last week completed on our new home, and we really have to thank Bill... read more

    Katerina Russell10/06/21

    I received help and advice which has been invaluable to me; I can definitely recommend MDFS mortgages.

  • Jo Rice07/06/21

    Great service from Bill at MDFS Mortgages. Great communication, professional service and happy to answer any questions I had quickly.... read more

    Luke Brown04/05/21

    Great service from Bill, second time using MDFS and we'll definitely use them again in the future

  • Suja Sundaresan04/05/21

    We were recommended Terry by a friend. Terry was incredibly friendly and helpful from the start of the process and... read more

    Kavit Kotecha03/05/21

    Terry was very helpful - always available whenever we had a query with our mortgage. Thank you for all... read more

  • David Fan27/04/21

    Very good service, professional advisor. Will use again. Thanks

    Islam Kasolli25/03/21

    MDFS is by far one of the best mortgage advisors. In particular I’d like to praise Bill Divall for all... read more

  • Justine Brodie22/03/21

    Professional, friendly, responsive and efficient, would highly recommend! MDFS made finding a mortgage really easy and stress-free. I was a... read more

    Jo Clifford18/03/21

    Fantastic service from start to finish! I would highly recommend

  • Katharine Williams15/03/21

    Bill was a fantastic broker, really helpful talking us through the process as first time buyers and always very helpful... read more

    Jake Barnes01/03/21

    Very responsive and professional team. Emails were replied to quickly and Terry was available to answer my queries at all... read more

  • Ash01/03/21

    Great service from start to finish! Terry at MDFS Mortgages helped me find a great deal and explained my... read more

    Rav k28/02/21

    Highly recommend MDFS Mortgages. Terry dealt with our remortage and was absolutely great! He found us a great deal and... read more

  • anyolirons27/02/21

    The team at MDFS are absolutely fantastic. Terry in particular has been extremely helpful, always there when you need him.... read more

    Jack Barclay24/02/21

    Really great service from Bill - he came highly recommended and that recommendation will be passed on! Always available when... read more

  • Adam Caffrey24/02/21

    Bill was incredibly helpful and friendly right from the start, made everything so easy to understand and was able to... read more

    Alex Kendall24/02/21

    Bill was the most helpful and proactive person that I worked with during the entire process - cannot recommend ... read more

  • Amy Ruffell24/02/21

    Terry has helped me with two home purchases and I wouldn’t use anyone else now. All options are clearly explained... read more

    James Rowlinson24/02/21

    Terry is professional and down to earth. He has great expertise and understands the frustrations and sticking points in the... read more

  • Adam Caffrey17/02/21

    Bill was incredibly helpful and friendly right from the start, made everything so easy to understand and was able to... read more

    Jessica Gregory15/02/21

    I was recommended MDFS by a friend who was also purchasing their first home. Bill was incredible! He was so... read more

  • Christina Evriviades15/02/21

    I had a very positive experience remortgaging with Terry. He was clear prompt and above all professional and nothing was... read more

    Chris Spearman15/02/21

    Couldn't imagine going to anyone else! Amazing personal service every time.

  • Gautam Thakur10/02/21

    An excellent people to work with.I dealt with Teery and he has been very was professional, and... read more

    Jenny Townson10/02/21

    From start to finish our advisor was excellent and he spent long periods of time making sure we understood the... read more

  • Luna's World04/02/21

    Bill is fantastic. Extremely helpful and always at the end of the phone for questions. We've been using him... read more

    Christina Evriviades03/02/21

    I had a very positive experience remortgaging with Terry. He was clear prompt and above all professional and nothing was... read more

so easy it’s almost laughable….

Here’s how a mortgage broker will scope out your perfect mortgage…


  • Choose

    First, choose a time to video meet with your Fee Free Mortgage Broker on line.


  • Meet

    Next, meet with your mortgage adviser, using the video link we send by email.


  • Discuss

    Together you and your broker discuss what mortgage advice you’re looking for.


  • Research

    Your adviser will research the market and recommend a suitable mortgage deal.


  • Apply

    MDFS apply for your mortgage and take care of all the paperwork, so you can relax.


  • Receive

    You receive your mortgage offer or decision in principle and are good to go.

Sheding some light on your FAQs

Sheding some light on your FAQs

How do mortgages work ?

Your local fee free mortgage broker will explain this in greater detail.

A mortgage is simply a large loan that you take out from a bank or building society when buying a property. Firstly, you own your home. Secondly your mortgage provider simply uses your home as security while you are making your mortgage repayments and clearing what you owe.

Mortgages are ‘secured’ against the property being purchased. But if you have to stop paying back the loan, the mortgage company can repossess your home. However, to be fair, most lenders normally try to help you with a plan, if this fails and they cannot help, the lender may repossess your home to get their money back.

What Amount of Mortgage can I afford ?

The million pound question. Well, many mortgage lenders can lend you up to five times your salary. But the amount you qualify for will depend on quite a few things:

  • your age,
  • the number of children you have,
  • if you have any adult dependants,
  • you have any payments for current credit commitments

Mortgage lenders assess your circumstances and work out how much they think they can lend you after considering the things above as well as what they think you can afford each month after you have paid your household bills.

All our mortgage advisers can help enormously with this and have tools designed to calculate how much you can borrow. Furthermore, our fee free mortgage brokers will let you know which mortgage lenders to approach to get the right amount of mortgage.

What deposit do I need ?

Normally you will need to provide a deposit, an amount of money provided by you. The amount of money you need to provide as a deposit is generally a minimum of 5% of the price of the property you want to buy. So, the bigger the deposit you can provide the less you need to borrow on a mortgage. Also, a lot of mortgage providers reduce the interest rates they charge to people putting up bigger deposits.

Where can I get a mortgage ?

It is easy enough to get a mortgage from a bank or building society yourself, if you are comfortable that they are offering a good deal. When applying they will ask a series of questions about you and your finances. The lender will calculate what amount of mortgage they think is affordable. They will also run several checks to assess your financial status. If they accept your application, you will be sent an offer.

However, it is probably easier, and quicker, to find the best mortgage using a fee free mortgage broker like MDFS. In fact, all you have to do is book an online appointment with a mortgage expert who looks after your local area. Tell them a little about yourself in addition to the home you want to buy, and they will compare deals across the market. Your mortgage adviser will then explain all the pros and cons, fees, and charges, before going on to set up an action plan to make sure things go according to plan.

What mortgage do I need ?

Remortgage
Remortgaging means changing your existing mortgage to a different deal with a new lender. However, rate switching is where you get a new deal with your current mortgage provider. Furthermore, remortgaging and rate switching can help you get lower interest rates or better terms.

First-time buyer
Many first-time buyer mortgages include incentives like cashbacks or reduced fees. Our local fee free mortgage advisers will help with finding good deals for first-time buyers. In addition, you will also get tips on deposits, mortgage types, and getting a decision in principle.

Home purchase
When you are buying your next property, you can either take your current mortgage deal with you, which is called porting or look to find a brand new competitive mortgage. As deposits are normally bigger when moving home, great deals can be found. Therefore, your adviser will search for different loan to value deals and compare what is available.

Buy to Let
A buy-to-let mortgage is specifically for people looking to purchase property as an investment, rather than as somewhere to live. If you are buying a house or flat and intend to rent it out to tenants, you need a buy-to-let mortgage.

Should I get a Credit Report ?

Some lenders will assess your mortgage application based on credit score and some will assess your application based on a credit search. However, lenders who credit score will often require a high score with no adverse credit history, whereas lenders who credit search are not basing their decision on a computer.

What is a soft credit search?
A soft credit search is when a lender carries out their checks without leaving a footprint on your credit file for other lenders to see. A soft credit search will also not affect your credit score. Hence, when your score is low, as too many normal credit searches can impact your rating even further.

How does the process work ?

When you have found a property book an appointment or call your adviser. Your fee free mortgage broker will re-assess your needs and recommend a mortgage. They will compare hundreds of mortgages, including a few that are exclusive to us, and cannot be found on the high street or comparison sites.

Assuming you are happy with the mortgage product recommended, we will get you a Mortgage Agreement in Principle. This will confirm how much the lender thinks you can afford to borrow. The decision in principle will help you when putting in your offer for your dream home.

As soon as your offer is accepted, you will need to appoint a solicitor. We take care of the entire mortgage application process through to completion. We liaise with your solicitor and lender to ensure that your application is a success.

If you are looking to remortgage, we recommend looking for a new mortgage deal around four months before your current deal expires. Starting the process early gives you plenty of time to compare all the available mortgage products and submit your application.

How Long does the process take ?

Decision in Principle?

We can normally apply for, and get, a Mortgage Agreement in Principle within a couple of hours. But you will need to provide your fee free mortgage adviser with a bit of basic information. However, a Mortgage Decision in Principle is not a 100% guarantee that your full mortgage will be accepted.

Mortgage Offer
There is no standard length of time from mortgage application to offer. Service standards are different between mortgage providers. However, we target to get your mortgage offer as quickly as possible, normally in 10 to 14 working days. Therefore, the time it takes depends on making sure the information requested by your adviser is provided or uploaded as soon as possible. Some complicated mortgage applications, such as those for the self-employed, contractors and limited company directors, can take a little longer.

Do you charge any fees ?

Like other mortgage advisers we receive a payment from the lender at completion of your mortgage. However, unlike some other mortgage brokers we do not charge you a fee of any amount or description, regardless of the amount of work involved. Therefore, for these reasons, and because of our unbiased approach, more and more customers are turning to MDFS Mortgages for advice every day.

We are here to save you money on your mortgage, not cost you more than it would if you did it yourself. Applying for your mortgage through us costs you no more than going directly to a mortgage provider for the same deal.

Moreover, frequently we will have access to special deals not available directly from lender.

Fee Free Mortgage Broker

MDFS Mortgages

MDFS  research, advise, apply, and administer your mortgage. Therefore, from your initial online video meeting with a mortgage broker to completion of your mortgage, our goal is making your mortgage journey easy and hassle fee. Our fee free mortgage brokers have been offering mortgage advice for over 30 years. All mortgage advisers are qualified and regulated by the FCA.

You get honest, straight forward, easy to understand mortgage advice. Our fee free mortgage advisers scope out the whole mortgage market, tracking down market leading deals and interest rates from an extensive range of lenders.

When it comes to paperwork, we have that covered for you. In addition, we also take care of all the administration process as well as liaise with estate agents, mortgage providers, and solicitors, consequently making sure the process is as smooth and hassle-free as possible.

Plus you get online video advice throughout Surrey, Kent, and the Home Counties, likewise a mortgage adviser service via telephone, email, and live chat. The icing on the cake is, because we know you are busy, you can book your appointment anytime of the day, with availability from 8am to 8pm.

Therefore, whether you are buying your first property, moving home, remortgaging, buying to let or simply looking for some mortgage advice, we are here to help. Book an appointment and meet with a fee free mortgage broker.


Mortgage Broker Call Back and Video - Stress Free

Leave Stress Behind

Leave the stress of finding a mortgage behind. In short, let your fee free mortgage broker and adviser do the hard work for you.

Mortgage Broker Video Appointment - Juggler with Clocks

Free Up Time

Don’t spend hours surfing the internet or on hold to your bank. Free up time for family and friends, use a mortgage broker.

Mortgage Broker Telephone Call Back - Control

Stay in Control

Make your mortgage advice appointment at a time suited to you. Pick your own appointment date and time.