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. 

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The Safest Way to Get a Mortgage

Is to Start With Advice — Before You Apply

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
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Lee Gamble profile picture
Lee Gamble
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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!
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Olivia Basic profile picture
Olivia Basic
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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!
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sam rayman profile picture
sam rayman
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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.
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Matthew Woodhill profile picture
Matthew Woodhill
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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.
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Daniel Vaughan profile picture
Daniel Vaughan
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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.
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Angelika Slon profile picture
Angelika Slon
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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.
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Jake Barnes profile picture
Jake Barnes
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⭐⭐⭐⭐⭐ 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.
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Saud Khan profile picture
Saud Khan
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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.
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Kieran Wickham profile picture
Kieran Wickham
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Bill is great and very insightful! super recommended
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Alexa Burns profile picture
Alexa Burns
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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.

Ready to Take the Next Step?

The right mortgage starts with the right conversation. Book your free mortgage video appointment or call us on 020 3174 0099.