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, you’ll receive a thank‑you gift.

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 382 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Lee Gamble 
 
 
 
 Trustindex verifies that the original source of the review is Google. Bill was absolutely fantastic and just what we needed. He is clearly experienced and showcased his wealth of knowledge every time we spoke to him. He was always calm and listened intently before providing the advice. We’d be lost without him and are so very grateful for his help. Couldn’t recommend him enough!
  
 
      Posted on Google  
   
   Olivia Basic 
 
 
 
 Trustindex verifies that the original source of the review is Google. Bill is friendly and knowledgeable. He put us at ease throughout the mortgage process and was happy to talk us through lots of options, giving us strong recommendations and reasons for various pathways. Would definitely recommend!
  
 
      Posted on Google  
   
   sam rayman 
 
 
 
 Trustindex verifies that the original source of the review is Google. I cannot recommend Bill Divall highly enough. Throughout the entire process, Bill was honest, proactive, and exceptionally helpful. He took the time to explain every detail clearly, ensuring I fully understood my options without ever feeling pressured or influenced. His organisation and attention to detail were outstanding. He kept everything on track, communicated promptly, and provided clear, accurate information at every stage. What impressed me most was his impartial and unbiased approach—he genuinely focused on finding the best solution for my circumstances rather than pushing a particular product. Bill's professionalism, knowledge, and dedication made what could have been a stressful process feel straightforward and manageable. I would highly recommend Bill Divall to anyone looking for a trustworthy, knowledgeable, and reliable mortgage adviser.
  
 
      Posted on Google  
   
   Matthew Woodhill 
 
 
 
 Trustindex verifies that the original source of the review is Google. Bill has, as usual, been incredibly helpful. His advice is always straight down the line, pragmatic, and always has our best interests in mind. He is proactive and incredibly knowledgable. There’s no one we’d rather handle our mortgage application.
  
 
      Posted on Google  
   
   Daniel Vaughan 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have been a client of Terry Massey and MDFS for more than 15 years, and throughout that time the service has been consistently exceptional. Terry has supported me through multiple mortgage applications and remortgages, always providing clear, honest, and professional advice tailored to my cirumstances. What sets Terry and the MDFS team apart is their commitment to customer service. They take the time to explain every option, keep you informed throughout the process, and ensure everything progresses smoothly from start to finish. The knowledge of the mortgage market is outstanding, and i have always felt confident that i was receiving the best possible advice. The entire experience is seamless, stress-free, and delivered with genuinely personal touch. It is reassuring to have adviser who is always available to answer questions and provide guidance whenever needed I would not hesitate to recommend Terry and MDFS to anyone looking for mortgagr or financial advice. After 15 years of excellent service, they continue to deliver a truley five-star experience.
  
 
      Posted on Google  
   
   Angelika Slon 
 
 
 
 Trustindex verifies that the original source of the review is Google. I do not normally leave feedback, but this time I felt it is well deserved. Mortgages can be confusing and the process can be very time-consuming, but thankfully Bill was there, guiding me every step of the way. Thank you for your professionalism and a great customer care.
  
 
      Posted on Google  
   
   Jake Barnes 
 
 
 
 Trustindex verifies that the original source of the review is Google. ⭐⭐⭐⭐⭐ Excellent service from start to finish. Terry at MDFS was professional, knowledgeable, and always available to answer my questions. They made the whole process smooth and stress-free. I highly recommend their services and would not hesitate to use him again.
  
 
      Posted on Google  
   
   Saud Khan 
 
 
 
 Trustindex verifies that the original source of the review is Google. Terry is very knowledgeable, polite and super helpful. He always finds time to help and guide you in every step of the mortgage selection/paperwork. I've done 2 remortgages via him and I'm pretty sure I'll come back to him again.
  
 
      Posted on Google  
   
   Kieran Wickham 
 
 
 
 Trustindex verifies that the original source of the review is Google. Bill is great and very insightful! super recommended
  
 
      Posted on Google  
   
   Alexa Burns 
 
 
 
 Trustindex verifies that the original source of the review is Google. Terry has been amazing to work!  since 2019, he has successfully secured several mortgage deals for me with great professionalism. Amazing service overall, thanks Terry!

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

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.