Croydon Mortgage Broker – MDFS Mortgages
Whole‑of‑market mortgage advice, with support from first chat to completion and beyond, for clients across Croydon, Purley, Coulsdon, Selsdon and nearby South London areas.
Whether you’re a first‑time buyer, home mover, re-mortgaging, or simply looking at your new rate options, we make the mortgage process clear, calm, and fully focused on you.
The safest way to get a mortgage is to start with a conversation and get advice before an application. Schedule your appointment now and let MDFS Mortgages help you take the next step with confidence. You’ll get ongoing support, not a one-off transaction.
The Safest Way to Get a Mortgage
At MDFS Mortgages, we guide you before an application is submitted — so you:
- Avoid lenders that won’t suit your circumstances
- Don’t fall into hidden fee or affordability traps
- Apply with confidence, clarity, and the right strategy
- Avoid any potential pitfalls as early as possible
One conversation could save months of stress — and thousands of pounds. Our “No Obligation” Meeting’s usually take just 30 minutes.
Mortgage Affordability
Why Online Affordability Calculators Can Be Misleading
Most buyers rely on online calculators that only show one lender.
We assess affordability across multiple lenders to give you a clearer, more accurate picture.
- Different lenders produce different results
- One calculation can limit your options
- The right lender could allow you to borrow more
EXCELLENT Based on 382 reviews Posted on Google Lee GambleTrustindex 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 BasicTrustindex 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 raymanTrustindex 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 WoodhillTrustindex 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 VaughanTrustindex 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 SlonTrustindex 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 BarnesTrustindex 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 KhanTrustindex 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 WickhamTrustindex verifies that the original source of the review is Google. Bill is great and very insightful! super recommendedPosted on Google Alexa BurnsTrustindex 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!
Straightforward Advice. No Hidden Agenda.
Fee‑Free Mortgage Advice — What That Means for You
At MDFS Mortgages, our mortgage advice is 100% fee‑free. We help and advise first-time buyers, movers and homeowners across Croydon, Purley, Coulsdon, Selsdon and all South London postcodes.
- No adviser fees now
- No fees at completion
- No hidden costs later
We’re paid by the lender — not you — which means:
- Advice focused entirely on what’s right for you
- No pressure, no upselling, no conflicts
- Support that costs you nothing — but can save you a great deal
What You Get With MDFS Mortgages
Whole‑of‑market lender access
- Clear, honest, jargon‑free advice
- Support from first call to completion (and beyond)
- Someone who anticipates issues before they become problems
- A calmer, smoother mortgage experience
Fewer surprises. Less stress. Better outcomes.