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.
Book Video Appointment
Get Broker Callback
MDFS Mortgages
5 Stars - Based on 166 User Reviews
Mark Lawrence16/05/22
Bill and the team offer a great service and helped us from start to finish picking the correct product for... read moreBill and the team offer a great service and helped us from start to finish picking the correct product for our need. They are super responsive and can't do enough to help. Have used their services before and will be using them again in the future. read less
SabrinaStrawbs22/04/22
Such consistently efficient service provided by Terry Massey. He was so professional and always on hand to deliver on any... read moreSuch consistently efficient service provided by Terry Massey. He was so professional and always on hand to deliver on any queries. I’m so happy with the speed of my service!! read less
Louise Fletcher03/04/22
Terry Massey was recommended to us by friends four years ago. He helped us secure a mortgage as first time... read moreTerry Massey was recommended to us by friends four years ago. He helped us secure a mortgage as first time buyers. The process with MDFS was smooth and stress free, all questions I had as a first time buyer were answered promptly and professionally and he found us the best possible deal. We have continued to use MDFS for our mortgage renewal's and could not be happier. Terry is extremely professional and knows his stuff! We would highly recommend MDFS! read less
Nicola Dumbrill02/04/22
I can’t recommend MDFS enough. Have been using their service for the past 20 years. Professional, reliable and always have... read moreI can’t recommend MDFS enough. Have been using their service for the past 20 years. Professional, reliable and always have the customers best interests at heart. I always recommend to friends and family. Thank you for helping us change our mortgage and making it such a smooth journey once again. read less
Dionne Grogan02/04/22
Terry made the process of moving home stress free, was very reassuring throughout and did not leave us with any... read moreTerry made the process of moving home stress free, was very reassuring throughout and did not leave us with any doubt that we could not secure the mortgage we were asking for. Was on hand to offer us advice if needed, and the system used was really useful for scheduling in a phone call and also a secure way of uploading documents. Thank you Terry. read less
Luke Harmony20/03/22
Perfect! Attentive, detailed and with you every step. Couldn’t we have asked for an easier broker! Answered all my questions... read morePerfect! Attentive, detailed and with you every step. Couldn’t we have asked for an easier broker! Answered all my questions quickly and very open to talk. read less
JJW Porsche18/03/22
I’ve used Bill and MDFS for a long time now and they never fail to impress me with their customer... read moreI’ve used Bill and MDFS for a long time now and they never fail to impress me with their customer service and personable service. Great company and always get me the best available deal. Would never use anybody else. Thanks again. read less
Nicola Ayres01/02/22
I cannot praise Terry at MDFS Mortgages enough for his help in securing a mortgage which allowed us to buy... read moreI cannot praise Terry at MDFS Mortgages enough for his help in securing a mortgage which allowed us to buy our forever home. Terry made the process stress free, gave great advice, found us the best offer and kept up to date at every stage. I would recommend their services to all friends & family without hesitation, fantastic service! read less
Nicholas Felix31/01/22
Terry was amazing!!! As a first time buyer he explained every step to us. He was always available to... read moreTerry was amazing!!! As a first time buyer he explained every step to us. He was always available to answer every question we had. He chased solicitor and estate agent alike and always looked out for the best deals for us. He made the process of buying our home so stress free. What a legend!!! read less
Romina Oliveira31/01/22
The service was outstanding. Terry was extremely thorough and helpful. I would recommend MDFS without hesitation. Thank you very much... read moreThe service was outstanding. Terry was extremely thorough and helpful. I would recommend MDFS without hesitation. Thank you very much for everything. read less
Alex Coney31/01/22
Excellent service. Terry was incredibly responsive, explained every step of the process and got us the best possible deal. Would... read moreExcellent service. Terry was incredibly responsive, explained every step of the process and got us the best possible deal. Would highly recommend MDFS Mortgages! read less
Jen Knox04/01/22
I would recommend Bill Divall at MDFS Mortgages to anyone looking for a mortgage broker. Bill knows his stuff, has... read moreI would recommend Bill Divall at MDFS Mortgages to anyone looking for a mortgage broker. Bill knows his stuff, has the patience of a saint and was a tremendous support for me when I bought my first home 5 years ago. I am currently renewing my rate with Bill and shall continue to recommend him to all of my friends and family. read less
Toni H13/10/21
Bill was constantly on hand to offer as much or as little help as necessary throughout the house buying process;... read moreBill was constantly on hand to offer as much or as little help as necessary throughout the house buying process; often going above and beyond the the realm of mortgage advice to help us out as much as possible. A balance of personable and professional qualities made Bill a pleasure to work with throughout and his transparency at every stage of the mortgage process left us in no doubt that we were getting the best deal for us. read less
J Wickham13/10/21
Great service all the way. Terry very quickly understood our needs and preferences - explained all options and comparisons in... read moreGreat service all the way. Terry very quickly understood our needs and preferences - explained all options and comparisons in detail but with clarity. Listened to and answered any number of questions and was knowledgeable about the products available. Nothing pushed or sold - all the hassle taken out of the process. Highly recommended. read less
Alexander Brodie01/10/21
Bill was incredible for us. His communication throughout was first class and he went above and beyond to secure our... read moreBill was incredible for us. His communication throughout was first class and he went above and beyond to secure our mortgage when the provider moved the goalposts. We cannot thank him enough for all his hard work. read less
Tamsin C06/09/21
Terry at MDFS was absolutely amazing. Me and my partner recently purchased our first ever home so it was all... read moreTerry at MDFS was absolutely amazing. Me and my partner recently purchased our first ever home so it was all a bit daunting, but Terry was really good at explaining it all to us and made the whole journey of getting our first mortgage a very easy one! He was super responsive and available for questions throughout and was very focused on getting us the best deal. We are very grateful to him and would 100% definitely recommend. read less
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 moreBill and MDFS Mortgages helped to get me on the property ladder some years ago, and have been offering a great service ever since. Very professional and easy to work with, they make the process very stress-free. Would highly recommend. read less
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 moreBill was absolutely fantastic and took us through every part of our mortgage application extremely clearly and found us a great deal. We hit some bumps along the road because of Covid but that just made Bill work even harder to get our deal done on time. Absolutely brilliant would recommend to anyone and will definitely be using again for our re-mortgage. read less
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 moreI highly recommend Terry Massey to anyone who needs a great Mortgage Broker. Terry always picked up the telephone which made the process easy. He explained everything to make it all very clear and understandable. My sale wasn't for a big amount of money but never did Terry make it seem less important which I really appreciated. He totally sorted any problems out in a very rational and calm way, I am very very grateful. read less
Jo Rice09/07/21
Great service from Bill at MDFS Mortgages. Mortgage agreed in less than 15 mins - amazing! Great communication, professional... read moreGreat service from Bill at MDFS Mortgages. Mortgage agreed in less than 15 mins - amazing! Great communication, professional service and happy to answer any questions I had quickly. Really great service at a very stressful time. Would recommend to anyone! Thanks Bill 🙂 read less
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 moreThank you Terry for the excellent service you provided for our remortagage
the process was clearly explained to us and the options available. Our age was not that great you took time to source the market and gave us the best option available. Always there to answer our concerns, we're very pleased and will highly recommend your service to others. read less
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 moreExcellent experience with Terry at MDFS Mortgages. Would definitely recommend (we were recommended by a friend who used them first and had a good experience too). My partner and I have quite complicated income which Terry could follow and then request all the required documentation which was submitted to the underwriter. Something I couldn't have done on my own. Competitive rates were obtained by MDFS and the pros and cons of different options explained. We were kept updated throughout the process and communications were excellent. Having used a few different brokers before MDFS were the best I've experienced and took on all the effort of finding us our mortgage. read less
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 moreTerry Massey provided incredible support from start to finish to my brother and I on the purchase of our first property, would strongly recommend both Terry and MDFS. read less
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 moreTerry was absolutely brilliant throughout our mortgage process - would highly recommend him. We had a complex situation and he very clearly advised us on our options. He was very responsive and kept us updated throughout, making it a stress-free process. read less
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 moreBrilliant service. Terry Massey brokered our mortgage recently and we were so impressed with the service we received. Terry was very happy to chat through our options and explained them very clearly. We wouldn't hesitate to recommend MDFS. read less
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 moreTerry guided us expertly through the process. He was invaluable in dealing with the complexities that arose and was always available to answer our questions. He advised us clearly of the options available and the one that was best suited to our personal circumstances. Many thanks for all your help. read less
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 moreMy fiancée and I have just last week completed on our new home, and we really have to thank Bill from MDFS a huge deal for helping us to get there.We're both first-time buyers and didn't really know much going into the process about what it would entail. Bill was a tremendous help throughout, explaining everything for us really well and helping us to get a far better mortgage than we would have managed by ourselves.This involved very little work from either of us - Bill did the numbers and all we had to do was listen to his advice and make a decision.Throughout the entire process, Bill went out of his way to answer emails and messages, even in the evenings and on weekends.The house-buying process can be a difficult and frustrating one, dealing with banks, solicitors, estate agents etc. I can honestly say that having Bill working for us with the mortgage made everything so much easier, and I would 100% recommend to anyone else to get in touch with Bill if they need any mortgage advice. read less
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 moreGreat service from Bill at MDFS Mortgages. Great communication, professional service and happy to answer any questions I had quickly. Really great service at a very stressful time. Would recommend to anyone! Thanks Bill 🙂 read less
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 moreWe were recommended Terry by a friend. Terry was incredibly friendly and helpful from the start of the process and helped us find the best mortgage deal. He always had time to answer all of our questions and explain anything we didn't understand. Thank you very much Terry for all your help - will definitely use MDFS again! read less
Kavit Kotecha03/05/21
Terry was very helpful - always available whenever we had a query with our mortgage. Thank you for all... read moreTerry was very helpful - always available whenever we had a query with our mortgage. Thank you for all your help 🙂. read less
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 moreMDFS is by far one of the best mortgage advisors. In particular I’d like to praise Bill Divall for all his help and assistance . read less
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 moreProfessional, friendly, responsive and efficient, would highly recommend! MDFS made finding a mortgage really easy and stress-free. I was a first time buyer too and they always had time to answer all my questions and explain anything I didn't understand. Will definitely go back when I need to change my mortgage! read less
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 moreBill was a fantastic broker, really helpful talking us through the process as first time buyers and always very helpful answering our (many!) questions. He is very experienced and dedicated to getting his customers a good rate, we wouldn't hesitate to work with him again. Thanks Bill! read less
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 moreVery responsive and professional team. Emails were replied to quickly and Terry was available to answer my queries at all times. Made the process of buying and securing a mortgage during Covid-19 as smooth as it could be.Would definitely recommend read less
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.
Book Now
Meet
Next, meet with your mortgage adviser, using the video link we send by email.
Get Appointment
Discuss
Together you and your broker discuss what mortgage advice you’re looking for.
Book Now
Research
Your adviser will research the market and recommend a suitable mortgage deal.
Get Appointment
Apply
MDFS apply for your mortgage and take care of all the paperwork, so you can relax.
Book Now
Receive
You receive your mortgage offer or decision in principle and are good to go.
Get Appointment
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.
Book Video appointment
Get Broker Callback
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.
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.
Stay in Control
Make your mortgage advice appointment at a time suited to you. Pick your own appointment date and time.
