MDFS Rewards Programme
Clear advice with no broker fee to pay
Recommendations mean everything to us. They’ve helped MDFS grow year after year, and we believe that success should be shared.
When you recommend a friend or family member to MDFS, we reward you both. You’ll receive a thank‑you gift, and the person you recommend will receive a welcome gift once they begin their advice journey with us.
We track every recommendation and will email you to confirm when your rewards account is updated. Once your recommendation completes their advice process, we’ll be in touch again and send your reward.
All rewards are cash‑based gift vouchers, redeemable with leading retailers such as John Lewis — no unwanted branded mugs or dust collectors.
EXCELLENT Based on 364 reviews Posted on Charlie SkinnerTrustindex verifies that the original source of the review is Google. If I could give 6 stars I would, both Bill and Terry have been incredibly helpful during my whole mortgage processPosted on Rachael WallTrustindex verifies that the original source of the review is Google. I was referred to Terry by my partner and having emailed him, I had a quick phone call with him 2-3 days later to change my mortgage and my new mortgage was all requested and finalised within 24 hrs after that. It was a stress off my mind and other than giving him 10 minutes of my time on the phone, he sorted all the rest for me, which I couldn’t more grateful for. Highly recommend his services!Posted on S HTrustindex verifies that the original source of the review is Google. Brilliant service from start to finish. Bill went above and beyond my expectations, is very knowledgeable, quick to respond and nothing was ever too much to ask. On the one occasion that Bill was preoccupied, I was able to speak to Terry straight away who was also incredibly helpful. Bill's experience paid off for us big time, by holding off a bit longer we were able to get a significantly better mortgage rate. Cannot speak highly enough of Bill, Terry and MDFS as a whole. Will be using them again when it's time to remortgage. Update 2026 - just completed my remortgage with Bill. As before, quick to reply to any queries and always has the answer. Helped me to understand an unexpected issue with solicitors, explaining it in non-solicitor jargon. Really pleased to have been referred to MDFS in the first place. You certainly won't regret it. Thank you BillPosted on Matt ClarkTrustindex verifies that the original source of the review is Google. It's the third time I've used MDFS and both Bill and Terry have been professional with great advice and crazy fast response times. The online portal they use is super intuitive which makes what can be an overwhelming situation that much easier.Posted on AbiTrustindex verifies that the original source of the review is Google. I can not recommend MDFS Mortgages highly enough. They are incredibly responsive, answering every email within hours and found a mortgage product that suited my budget perfectly. They are patient, knowledgeable and genuinely invested on helping us. The costumers service is top-noch and i will definitely use them again. We worked with Bill Dival and we rate the services 10 out of 10.Posted on Rachel WoodlandsTrustindex verifies that the original source of the review is Google. ⭐⭐⭐⭐⭐ Excellent Mortgage Service – Highly Recommend! I recently completed my mortgage process and couldn’t be happier with the service I received. From start to finish, everything was handled professionally, efficiently, and with great attention to detail. The whole process was clearly explained, all my questions were answered promptly, and I always felt supported and informed. What could have been a stressful experience was made smooth and straightforward thanks to the guidance and expertise provided. I was particularly impressed with how quickly everything was arranged and the effort taken to secure a competitive rate that suited my circumstances. Communication was excellent throughout, and I always felt like a valued client. I would highly recommend this service to anyone looking for mortgage advice or support. A truly outstanding experience!Posted on Joaquín CerrottiTrustindex verifies that the original source of the review is Google. Bill helped us with our first home mortgage and now again with our remortgage. He has always been exceptionally clear, professional, and supportive. He guided us through different scenarios and took the time to answer all my questions, and there were many. I wouldn’t hesitate to recommend him.Posted on TimTrustindex verifies that the original source of the review is Google. We found Bill excellent in supporting our mortgage application. He is so knowledgeable as he demystified the mortgage process and clearly explained a range of options with his personalised recommendation for our situation. He was very patient in answering all of our questions. Once we had locked in an application he kept us informed of any rate changes up to exchange to ensure we got the best deal available. We've already recommended Bill to family and will recommend to friends and family.Posted on AaronTrustindex verifies that the original source of the review is Google. Terry was absolutely amazing in helping us as FTB. He walked us through the timelines of when to apply for our mortgage. In our house buying process over the past 10 months, Terry has made the mortgage application the least stressful part. From keeping us updated on lower mortgage rates to helping us manage our application on 2 different properties that fell through, he‘s been reassuring and patient throughout. Definitely recommend him and MDFS!Posted on moonju kimTrustindex verifies that the original source of the review is Google. We worked with Terry to buy our first house. He provided amazing mortgage service including professional consulting aligned with our specific situation. Due to the decrease of mortgage rate, we should apply new mortgage multiple times. He ensured that the process went through so smoothly and quickly!!
Here’s How It Works
- You recommend MDFS to a friend or family member and ask them to call us or book an appointment
- We always ask new clients who recommended them (although we’re often told before we ask)
- We’ll email you to say thank you and confirm we’ve received your recommendation
- When your recommendation completes their advice process, we’ll let you know by email
- We send you a thank‑you gift to enjoy
- We also send a welcome gift to the person you recommended
Terms & Conditions
As you’d expect, there are a few terms — but no catch.
- The MDFS Rewards Programme is only open to existing MDFS clients
- Rewards apply only to advice provided and completed by authorised MDFS advisers
- A reward is issued for each new client recommendation that completes their advice process
- There is no limit to the number of recommendations you can make
- The programme may be withdrawn with 30 days’ notice
- Any recommendations made before withdrawal will still be honoured once advice is completed
- The value of any reward is at the discretion of the Partners of MDFS
- Rewards are issued by email using our secure e‑sign recorded‑delivery system
- All rewards are subject to the terms of the retailer selected by MDFS
- Enjoying your gift is compulsory… choosing what to spend it on is up to you
Speak to us
If you’re buying your first home, moving house, or reviewing your mortgage, we’re here to help — with no adviser fee to pay.
A conversation costs nothing and could save you time, stress, and money.
Get in touch today to arrange a free, no‑obligation mortgage consultation.