MDFS Mortgages

Business Details

Trusted No-Fee Mortgage Broker in Croydon

Established over three decades ago, MDFS Mortgages has built an enduring reputation for delivering transparent, fee-free mortgage advice to clients in Croydon and surrounding areas. Our client-centric approach prioritises clarity, with no hidden fees or small print, allowing customers to maintain full control over their mortgage journey. Backed by a 30-year heritage and 5-star Google Reviews, we combine local expertise with a whole-of-market perspective to access diverse mortgage products.

Our team utilises innovative digital tools, including real-time screen-sharing during video consultations, to demystify mortgage processes and provide tailored solutions. As an appointed representative of The Right Mortgage Limited, authorised and regulated by the Financial Conduct Authority, we uphold rigorous professional standards while maintaining our commitment to accessible, stress-free mortgage guidance.

Services

Mortgage Advice Video Consultations Telephone Callbacks Mortgage Market Research Mortgage Decision in Principle Buy-to-Let Mortgages Repayment Mortgages Interest-Only Mortgages Fixed-Rate Mortgages Variable-Rate Mortgages

Highlights and features

We offer over 30 years of mortgage advisory experience
No hidden fees or advice charges apply
5-star Google Reviews from satisfied clients
Flexible video and telephone appointment options
Whole-of-market access to mortgage lenders

Associations and certifications

Financial Conduct Authority

What people say

5-star Google Reviews Transparent fee-free service Excellent customer support Flexible appointment options Knowledgeable advisers

Website

Update Listing

Services

Mortgage Advice

Our no-fee mortgage advisory service provides tailored guidance through the entire mortgage process. With whole-of-market access, our advisers assess your financial situation to recommend suitable deals while maintaining complete transparency about terms and conditions. Clients benefit from our 30-year industry experience and regulatory compliance.

Video Consultations

Secure video appointments allow real-time screen-sharing with mortgage advisers for interactive guidance. This digital solution enables clients to discuss requirements, review affordability calculators, and receive live quotations from the comfort of their homes, maintaining the same professional standards as in-person meetings.

Telephone Callbacks

Flexible telephone appointment system provides expert mortgage guidance without geographical constraints. Advisers conduct comprehensive assessments of client needs during 8am-8pm weekday slots, with options to extend discussions or transition to video meetings for more complex cases.

Mortgage Decision in Principle

This preliminary assessment service helps clients understand their borrowing potential before house hunting. By analysing financial information and credit profiles, we provide indicative mortgage offers that strengthen purchasing positions while maintaining full transparency about lending criteria.

Buy-to-Let Mortgages

Specialist advice for property investors seeking buy-to-let financing solutions. Our advisers navigate the unique requirements of investment mortgages, including higher deposit thresholds and income verification processes, while maintaining our commitment to fee-free guidance and market-wide comparisons.

Questions

How do mortgages work?

A mortgage is a loan secured against property, repaid over 25 years on average. Your eligibility depends on income, credit score, and property value, with interest charged on borrowed amounts.

What types of mortgages are available?

We offer repayment, interest-only, fixed-rate, variable-rate, tracker, offset, and buy-to-let mortgages, each with distinct advantages depending on your financial circumstances and property goals.

How much deposit is needed for a mortgage?

Minimum 5% deposit required generally, though government schemes like Help to Buy ISA can assist. Larger deposits typically secure better interest rates and terms.

What are no-fee mortgage brokers?

We receive lender commissions instead of charging clients directly, eliminating upfront advice costs while maintaining impartiality across the whole mortgage market.

How can I determine my borrowing capacity?

Use our mortgage calculator or consult advisers who assess income, expenses, and credit history to provide accurate borrowing estimates without obligation.

How long does mortgage approval take?

Process duration varies from weeks to months depending on mortgage type, lender requirements, and market conditions, with pre-approvals available to streamline house hunting.

Reviews (5)

Write a Review

Ummer Magudia

Dec 13, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Terry has been great from start to finish. Thoroughly professional, helpful and very experienced in offering his expert advise. I would highly recommend.

Kem

Nov 14, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
These guys are very quick and really helpful when finding a mortgage deal. Highly recommend. A++

Toni H.

Oct 27, 2021 Report

Bill was constantly on hand to offer as much or as little help as necessary throughout the house buying process; often going above and beyond the the realm of mortgage advice to help us out as much as possible. A balance of personable and professional qualities made Bill a pleasure to work with throughout and his transparency at every stage of the mortgage process left us in no doubt that we were getting the best deal for us.

J. Wickham

Oct 20, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Great service all the way. Terry very quickly understood our needs and preferences - explained all options and comparisons in detail but with clarity. Listened to and answered any number of questions and was knowledgeable about the products available. Nothing pushed or sold - all the hassle taken out of the process. Highly recommended.

Tilly Neville-Clarke

Oct 15, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Bill was absolutely amazing! He was helpful, very responsive and patient with all our questions - its our first time buying a house and MDFS Mortgages made the process feel easy and exciting. Bill went above and beyond for us, and was always happy to help. Would highly recommend! Thank you Bill.