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onlime mortgage advice video broker....

Online mortgage adviser
now you don't have to leave home!

If you decide to use MDFS, your online mortgage adviser, 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 76 User Reviews
  • 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

  • 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

  • Carmen H25/01/21

    Terry Massey of MDFS has advised me on my last 3 mortgages.
    I will never go anywhere else to arrange a...
    read more

    Sarah Simmonds23/01/21

    Terry has been fantastic - I picked up the keys to my first ever home yesterday thanks to MDFS. Terry's... read more

  • Sophie Long24/12/20

    Terry Massey has been amazing with helping me secure my first mortgage. He has been so helpful and communicative I... read more

    sole ferraco17/12/20

    Bill has been our life saver. As first time buyers, he has been the support we needed to understand the... read more

  • Ignacio Monterrubio17/12/20

    Bill is amazing. Súper friendly and helpful, always there for you. Extremely recommended

    Laura Wythe16/12/20

    The best mortgage advisors and brokers out there. So supportive and informative at every stage of the process. At least... read more

  • Mark Peterzan12/12/20

    Bill was fantastic through the whole process. He made himself available at very short notice to fit my calendar and... read more

    Gary Atkinson06/12/20

    We arranged our first mortgage with Bill almost a decade ago and have used him automatically for every renewal and... read more

  • Robert Tarrant02/12/20

    Terry provides an excellent, professional service. He explains the options really clearly and I’ve recommended him to several people who... read more

    April30/11/20

    My property's location meant I was limited to a select range of lenders. Terry was a good local mortgage broker... read more

  • Geneivieve Hazarika29/11/20

    Great service and advice as first time buyers during lockdown! Truly recommend Terry and his services.

    Mike Watkinson29/11/20

    Bill was very knowledgable and made the whole mortgage application process very easy.

  • Yasmin Chaudhry29/11/20

    Bill was really helpful and walked us through the whole process. Would definitely recommend

    Samantha Critchell27/11/20

    I've recently been using MDFS to arrange the mortgage for my first home and I have been so impressed. I... read more

  • Samantha Critchell27/11/20

    I've recently been using MDFS to arrange the mortgage for my first home and I have been so impressed. I... read more

    Steve R26/11/20

    Excellent helpful service as usual, especially during this difficult year

  • Gary Senior19/11/20

    Bill has been fantastic through the entire process. He couldn’t have made things easier. We would highly recommend his services.

    Tom Boyne12/11/20

    Bill was absolutely fantastic with his service. Communication lines were always open and whenever I needed anything, Bill was always... read more

  • Seham Girgis05/11/20

    I find Messey Divall very helpful and Professional, I will definitely recommend them and will use them again if I needed.

    Claudia Knowles03/11/20

    Bill Divall was extremely quick to respond and process our mortgage offer

  • Nick Nicou03/11/20

    Terry guided me expertly through the process of securing a mortgage for my first property purchase. He was always available... read more

    Dave Coates03/11/20

    Navigating through the sheer number of Mortgages, products and options available can be overwhelming, especially with so much at stake.... read more

  • Oli Williams03/11/20

    Terry’s service was excellent. He walked us through the process and found the right mortgage for us. Would highly recommend

    Sarah Day03/10/20

    I had a great experience, it was easy and simple and very professional. Would reccomend Terry again!

  • Helen Green03/10/20

    Massey Divall had to work very hard to sort out our mortgage during difficult Covid times - they were very... read more

    paulasax03/10/20

    So helpful and friendly right from the start of my journey of buying my property. His advice was clear, professional... read more

  • Sophie Barua03/10/20

    Really helpful, made the whole process a lot easier and smoother.

    Martin Budds03/10/20

    First class service as always. We have been using Bill for years now and can't recommend him highly enough. Even... read more

  • Kathryn Billings03/09/20

    Bill has been fantastic in not just sourcing and finalising our mortgage but with a number of other financial aspects... read more

    Cian Fernando03/09/20

    Always brilliant! We go back to using Terry every time.

  • Josh Royston03/09/20

    I was recommended to Massey Divall by a friend in the property sector. Terry was fantastic in advising me what... read more

    Dan Mathews03/09/20

    Bill helped us all the way through the process of buying our first house. He always offered us great advise... read more

  • Christopher Woolnough03/09/20

    An excellent services with very knowledgeable people. They were always on hand to answer any question. I would highly... read more

    Felicity Simmons03/09/20

    I cannot express my gratitude enough to Terry, he was absolutely brilliant! My partner and I were anxious about buying... read more

  • Danyon Billings03/09/20

    We worked with Bill at Massey Divall and he was fantastic in sourcing our mortgage, giving great advice and explaining... read more

    Tom H03/08/20

    Great professional service. Will be sure to use again in the future.

so easy it's almost laughable....

Here's how our brokers scope out your online mortgage advice...

  • Choose

    First, choose a time to video meet with your Mortgage Adviser 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 online 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 online mortgage advisers 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 local online mortgage broker like MDFS. In fact, all you have to do is book an 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 online 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 online 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 online 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 online 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.

Online Mortgage Advice

MDFS Mortgages

MDFS  research, advise, apply, and administer your mortgage for you online. 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 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 online mortgage advice. Our 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 mortgage advice throughout Surrey, Kent, and the Home Counties, likewise an 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 an online mortgage broker.

Do you charge 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 mortgage broker 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 no more than it would going directly to a mortgage provider for the same deal.

 

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

Do you offer whole of market advice ?

Yes, we do. MDFS do not operate a limited panel of mortgage providers and have access to thousands of mortgage deals. Let’s not fool ourselves though, no matter how deep we research there may still be a deal that is exclusive to one bank, or even mortgage broker, that we cannot access. That does not mean we are unaware of it, simply that we cannot access it.

 

However, most deals are readily available to MDFS. We do not charge fees so what you see is what you get. A cheap mortgage rate deal where a fee is charged may not be as cheap as it looks, furthermore, most deals with a broker fee payable cost more than a deal where the broker does not charge a free…!

What type of Mortgages do you give advice on ?

We advise first time home buyers, people moving home, homeowners looking to switch deals or remortgage and buy to let mortgages.

 

When it comes to mortgage rates, we'll advise on the full range available, such as fixed, tracker, discount, capped and offset rates to name a few.

 

Also, we advise you about different repayment methods, interest only, repayment and split repayment.

do you keep me updated throughout the mortgage process ?

Yes. You will be sent updates about your mortgage application by email and SMS text message.

 

You are provided with access to a secure upload portal and private HUB as we don't want your personal documents flying all over the internet !

 

You can speak to your local fee free mortgage broker as well if you want to.

What do you do ?

MDFS connect people looking for mortgage advice with the best mortgage rates and criteria possible. We gather and review your financial information and documentation. We assess the mortgage amount you are requesting, your deposit, your income, and your credit record. Then, we match you up with a few different deals, outline and discuss the options available.

 

So, when you use MDFS, we are responsible for researching current mortgage rates. We are also responsible for making sure that you understand all the small print mortgage terms (closing costs, fees, and other conditions), and we sort through mountains of data to compare your choices.

 

Also, keep in mind that MDFS are not a bank or building society. As a result, we are not tied to one mortgage provider. We independently research mortgage lenders and have established relationships with each lender.

When are you available ?

Appointments can be made 24 hours a day, 7 days a week. That does not mean we are open, but you will have access to an adviser’s diary, and you can make your appointment booking.

 

Appointments are available from 8am to 8pm Monday to Friday and 10am to 4pm Saturday and Sunday. However, Saturday and Sunday appointments need to be booked by telephone.

 

We are sure you will understand that appointment demand can be high and while your adviser will be happy to meet on the weekend, it is important that access is provided to priority cases. Just use our broker call back if you want to book a weekend appointment.

Get a Bigger Deposit

Save the biggest deposit you can. Most mortgage providers keep their lowest interest rates for borrowers with large deposits.

The top deals on the market are currently limited to those who have a deposit of between 35% and 40% of a property’s value. Higher loan to value mortgages tends to have higher interest rates.

Save up as much deposit as you possibly can.

Review your Credit Score

Consider your credit score. You may need a good credit score to qualify for the best mortgage deals. If you check your credit score you can be sure to avoid any surprises. Early checking will also give you time to correct any mistakes, should you find any.

Tidy Up Your Credit File

Try to pay off your debts and close any unused credit accounts.

Mortgage lenders look at the total amount of credit available to you – as well as the amount you owe. If they see a large credit line available this can affect your position.

Therefore, if you can, clear as much debt as possible and close any accounts you no longer use.

Tidy Up Your Address Records

Keep your address up to date. Nearly every mortgage provider will use the electoral roll to verify your identity. Your mortgage application may be rejected if you are not visible on the electoral roll at your current address.


This need not be a problem. Contact your Local Authority and ask for a registration form or sign up online. Furthermore, this will hopefully make sure that the address any credit agencies have for you is up-to-date.

By-Pass Some Unusual Properties

Avoid unusual properties. Mortgage providers all have different criteria. But all lenders want to make sure that they can get their money back should you fail to pay.

 

As a result, they are frequently less willing to lend against unusual properties, as these may be more difficult to sell on.

 

If you can avoid things like flats above commercial premises such as cafes and bars, homes built using non-standard construction materials such as concrete or steel.

Get Yourself Mortgage Ready

Make sure you have an up-to-date passport and that the address on your driving licence is correct.

 

Also, you may need to provide a recent statement from say a bank or utility company, as this also contains your address.

 

If you are employed, you will need to provide bank statements and payslips for the last three months and maybe your P60s for the last two years. If you have commission or bonuses you will need to send evidence of these too.

 

Self Employed

Self-employed always come under greater scrutiny and generally must provide even more evidence of earnings as a result.

 

Self-employed applicants will therefore need to provide HMRC SA302s for the last two or even three years. Perhaps full accounts for the last two to three years as well.

Mortgage Broker Call Back and Video - Stress Free

Leave Stress Behind

Leave the stress of finding a mortgage behind. In short, let your online 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 adviser.

Mortgage Broker Telephone Call Back - Control

Stay in Control

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

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