Mortgage advice built around you, not lenders

Why home buyers and homeowners choose MDFS

Clear, honest mortgage advice to help you secure the right deal. Whether you’re buying your first home, moving, or reviewing your current mortgage.

Whole‑of‑market mortgage advice
Plain English, no jargon
Support from application to completion

If you’re feeling unsure or overwhelmed, you’re not alone

Buying or refinancing a property can feel confusing — especially with interest rates, affordability checks, and lender criteria constantly changing.
You might be:

Unsure how much you can borrow
Worried about being accepted after a rejection
Confused by fixed, tracker, or discount rates
Unsure whether to remortgage now or wait
Struggling to find time to compare deals properly

That’s where MDFS comes in.

We help clients at every stage of their mortgage journey

First‑time buyers

Step‑by‑step guidance from day one
Help understanding deposits, affordability & schemes
Support with your first full application

Home movers

Advice on porting or changing your mortgage
Coordinating timelines with solicitors and estate agents

Remortgages

Reviewing your current deal before it ends
Reducing monthly payments or releasing equity

Product transfers

Stress‑free renewal with your existing lender
Making sure staying put really is the best option

      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!

What makes MDFS different?

Whole‑of‑market advice We search across a wide range of lenders, not just a limited panel, to find a mortgage that fits your circumstances.

Advice in plain English No jargon, no pressure, and no confusing explanations. Just clear, honest guidance.

Personal support throughout From your first conversation to completion, we’re on hand to chase lenders, liaise with solicitors, and keep things moving.

Tailored to your situation We take time to understand your income, future plans, and comfort with risk — not just today’s numbers.

No guesswork We help you avoid costly mistakes by making sure the mortgage you choose still works when your circumstances change.

Local, approachable, and on your side

MDFS supports clients across Croydon and the surrounding areas, providing straightforward mortgage advice you can actually rely on.

We work with:

Employed and self‑employed clients
Buyers with complex income
Clients with credit issues

You’ll always know:

What your options are
What the next step is
What everything means