Why Choose MDFS Mortgages
No Broker Fees – Ever
We believe mortgage advice should be transparent and affordable. That’s why we never charge advice fees, helping you cut upfront costs and keep more money in your pocket.
Trusted Local Experts
No queues. No waiting. No confusing paperwork. Just clear guidance, tailored advice, and a smooth, well‑managed process from start to finish. We stay in touch at every step so you remain fully in control.
Stress‑Free, Client‑First
MDFS Mortgages has become Croydon’s go‑to mortgage broker thanks to our long history of friendly, reliable and jargon‑free advice. Our clients rate us 5 stars on Google for a reason — we care about getting it right.
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How It Works — Simple, Fast & Online
It’s so easy it’s almost laughable
Book
Choose a convenient time for your online video appointment.
Meet
Chat with your dedicated mortgage adviser via secure video link.
Discuss
Tell us what you’re looking for — we’ll explain your best options.
Research
We search the mortgage market to find the most suitable deal.
Apply
We complete the application and handle all the paperwork for you.
Receive
Get your offer or Decision in Principle and move forward with confidence.
FAQs
What does MDFS Mortgages actually do for me?
We act as your personal mortgage expert — researching lenders, comparing products, negotiating on your behalf, handling paperwork and ensuring your application has the highest possible chance of approval. We make the entire process simpler, faster, and less stressful.
Why use a broker and not go directly to a bank?
Banks only offer their own products. We search across multiple lenders, including specialist ones not available to the public, helping you find a better fit, better price, and a smoother process.
Can MDFS find the best mortgage for my situation?
We analyse your income, credit profile, deposit, property type, future plans and affordability. Then we research products across the market to find the lender most likely to approve you — and offer the best rate and terms.
Can you help if my situation is unusual?
Absolutely. We regularly help:
- Self‑employed
- Contractors
- People with credit blips
- First‑time buyers
- Home movers
- Remortgages
- Product Transfers
- Portfolio landlords
- Clients declined previously
We know which lenders say yes when others say no.
How much of the admin do you handle for me?
Pretty much everything:
✅ Application forms
✅ Document packaging
✅ Communication with lenders
✅ Tracking progress
✅ Problems and escalations
✅ Updates through every stage
You get one clear point of contact from start to finish.
How do you make sure I get the best rate available?
We monitor the market daily and give you access to products not always shown online. If rates change while you’re applying, we can sometimes secure a better deal before completion.
Can you help with remortgages?
Definitely. We compare your current deal against the entire market and advise whether you should stay with your existing lender or switch to a better option.
What happens after my mortgage completes?
We don’t disappear. We continue to review your mortgage, remind you before your deal ends and check if a better option becomes available.
Do you charge a fee?
No — MDFS Mortgages does not charge you any fees for our mortgage advice or our service. Our support, research, lender comparisons, and application handling are all completely free to you.
We’re paid by the lender upon completion, so you get expert help without any cost.
Straight‑Talking, Honest Advice — Every Time
We don’t hide behind jargon, sales tactics or confusing explanations. Clients get clear, honest, transparent guidance — even if the best option is staying with your current lender. Our focus is what’s genuinely right for you, not what earns us the most. This makes people feel instantly at ease and able to trust the process.
Real People Who Actually Care
You’re never passed around a call centre. You deal with a friendly expert who takes the time to understand you, answer your questions, and support you all the way through. We treat every case with the same care we’d give to a friend or family member — and clients feel that difference immediately.
Refreshingly Simple, Stress‑Free Experience
We strip away the hassle, confusion and back‑and‑forth that people usually dread when dealing with banks. With us, everything is explained clearly, handled professionally, and kept moving smoothly — making the whole journey feel calm, straightforward, and genuinely enjoyable.
10 Strong Reasons to Choose MDFS Mortgages
✅ No broker fees — ever.
✅ Whole‑market research to find the best deals for your situation.
✅ We know lenders that actually say yes, even in complex cases.
✅ We handle the entire process so you can avoid stress chasing banks.
✅ Clear, honest advice, even if this means staying with your current lender.✅ Access to specialist lenders you won’t find online.✅ Professionally packaged applications that boost approval success.
✅ Proactive problem-solving to avoid delays or declines.✅ Personal, friendly support — no call centres or generic advisors.
✅ Long‑term support, reviews, and reminders. You’re never on your own.