Rate Ending Review
Your Mortgage Deal Ending Soon?
Let’s Secure Your Next Rate Before It Rises
Secure Your Next Rate Before You Pay More Than You Need To
✅ Takes 30 seconds
✅ No obligation
✅ No credit check
✅ Speak to a local expert
Helping homeowners avoid costly standard rates
Is your mortgage deal ending soon?
Are you on the best rate?
Doing nothing could cost you thousands
Don't just drift on to a higher standard variable rate
Your current lender won't always offer the best deal
Better options may exist elsewhere
You have 3 choices
1. Stay with your current lender
Fast, simple, but maybe has limited deals
2. Switch to a new lender
Lower rates possible, perhaps more flexibility, but takes longer
3. Do nothing
Likely the most expensive option
Simple v Value
Convenience or long term savings?
Why people switch
Lower monthly payments, release equity, better features, realistic property valuation, term extensions, repayment structure changes, and much more
It's not just all about the rate
Fees + savings + flexibility = value
MDFS compare everything for you
Not just what your current lender has to offer
Simple, guided process
MDFS review your situation, compare your options, recommends what's best and handles everything for you
A simple review to understand what happens next
Our rate-ending check gives you regulated mortgage advice to help you understand:
- Whether staying with your current lender is likely the right option
- Whether switching is worth considering
- When is the best time to act
Many homeowners tell us they feel relief just knowing where they stand, even months before their rate ends.
Get a fee free rate ending check. No Obligation, No Credit Search, FCA Regulated Advice. No Fees Charged.
Most homeowners benefit from reviewing their options 6–12 months early, when decisions are easier and more flexible.
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!!