How do we help ?

Just how do we help. Well, like most other mortgage brokers we receive a payment from the lender when your mortgage completes. However, unlike most other mortgage brokers, we don’t charge a fee on top of this.

"If you decide to use MDFS for your mortgage advice, you will not pay any more by using us, than you would if going direct to a mortgage provider for the same mortgage deal"

Bill Divall
What are MDFS?

MDFS are mortgage brokers. We specialise in finding mortgage providers who will meet your needs. We do this by providing you with advice and recommending the mortgages most suitable for you. We then manage completing your mortgage application. MDFS are regulated by the Financial Conduct Authority (FCA).

Why use MDFS?

MDFS will only recommend mortgages that are most relevant to your requirements and we must be qualified to give mortgage advice to you. We may also be able to access mortgage deals not available directly to the public and have an intimate knowledge of which lenders are most likely to accept your mortgage application. MDFS remove a lot of the paperwork and hassle of getting a mortgage.

You’re protected if the mortgage advice was incorrect

When you receive mortgage advice, MDFS have a duty of care to you. We must recommend a suitable mortgage and be able to justify why the mortgage we’ve chosen is right for you. If our advice is not up to scratch, you can complain and be compensated.

Our mortgage advisers are qualified to find you the right mortgage

MDFS Mortgage Advisers have achieved a suitable mortgage advice qualification as required by the FCA to be able to give advice.

You will have a wider choice of mortgages

By using MDFS, you will have access to more mortgages than available directly to you as a consumer. This is because there are mortgage lenders who only lend through mortgage brokers and many lenders who create exclusive mortgages only available through a mortgage broker.

MDFS match lenders to your situation

MDFS have an intimate knowledge of which lenders are happy to provide mortgages for specific types of circumstances and situations. For example, some mortgage lenders may not accept settled CCJs and some will have different criteria if you are self-employed or still in a probationary period at work.

If you are a buy to let mortgage seeker MDFS can help find those lenders that accept portfolios of certain sizes and houses of multiple occupation.

MDFS make it easier to find and complete a mortgage

Finding and then completing a mortgage can be stressful. MDFS can take away much of the administration and handling of the lender away from you. For example, we will know exactly what each lender will require from you at the beginning of your application, reducing the time spent going back and forth with new requests for information. And at MDFS we have dedicated contacts in each mortgage lender, giving us a direct route to help progress your mortgage application.

MDFS will consider your wider mortgage needs

MDFS don’t just advise you about your mortgage. We also look at any related life insurance, payment protection and even buildings and contents cover.
We may recommend insurance based on your new mortgage arrangements to make sure you are fully protected in the event of:

  • Death
  • Ill Health
  • Redundancy



Massey Divall Financial Services are an appointed representative of The Right Mortgage Limited which is authorised and regulated by the Financial Conduct Authority.

The Financial Conduct Authority does not regulate most buy to let mortgages.

The guidance and /or advice contained within this website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK

Conveyancing isn’t regulated by the Financial Conduct Authority.

Local Mortgage Advice for Croydon

Fees Free

We do not charge a fee for mortgage advice. We offer customers fee free mortgage advice. Our expert mortgage advisers will help you get a market leading mortgage deal. We help you throughout the entire mortgage process. There are no hidden costs or surprises. Try our fee free advice for your mortgage.


020 3174 0099

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