Keegan & Pennykid provides free, impartial mortgage advice for home-buyers. With interest rate increases looming, we believe this is the ideal time to review your mortgage arrangements. Contact us to see if you could save on your current mortgage payments.

• Free advice – we make no charge for our service.
• Impartial advice – we search across the whole of the market to find you the best mortgage deal for your needs.
• Simple process – we give you clear advice and a recommendation at the outset, submit your mortgage or remortgage application to the lender and deal directly with the lender on your behalf throughout the process to make things as simple for you as possible.
• Fees and legal costs – many lenders charge no, or only a small arrangement fee for their mortgage deals.  It can be worth paying an arrangement fee to obtain a more competitive rate – this is something we advise on as part of the recommendation process.  Most lenders pay the cost of valuing your home and the legal work required.
• Interest rates – it is accepted that the Bank of England base rate will rise in the coming months, causing trackers, discount and variable rates to rise with it. 
• Variable rates – there are 100 standard variable rates on the market varying from an excellent 2.5% to a pricey 6.45%, which means that as a borrower you could be paying hundreds of pounds more in a year in interest than necessary.  With interest rate rises looming, you may wish to consider a fixed rate mortgage. 
• Fixed rate mortgages – it may be possible to obtain a fixed rate mortgage for a similar cost to your current variable rate but with the guarantee that the monthly cost will not change over the next 2, 3 or 5 years.
• Regulated – Keegan & Pennykid (Insurance Brokers) Ltd is authorised and regulated by the Financial Services Authority to conduct mortgage advice and arrangement services.  We work to strict standards of conduct to ensure that we always act in your interests.

Act now!
With interest rates likely to rise, this is the time to act.

Please note that we are not authorised to advise on the following types of mortgage contracts: home reversion plans, home purchase plans (Islamic mortgages), lifetime mortgages.

For advice or further information please contact our mortgage department:

Tel: 0131 225 6005
E-mail: mortgages@keegan-pennykid.com
Address: 50 Queen Street, Edinburgh, EH2 3NS