About us

About Money Sense Matters

Money Sense Matters prides itself on focusing on you – our client.

After all, what our clients want to know is what we can do for you and what makes us different from other companies. With an almost endless list of mortgage products, a seemingly infinite number of lenders and life insurance choices, there is no question that the world of financial services is complex and often baffling.

That is why we are here to help guide and advise you through the money maze. Our advisers are fully qualified which means in the constantly changing mortgage market, we can answer all your questions. Not only can you rely on us to guide you professionally, we will also help select the right deal for you while managing your finances from start to finish.

Contact our Advisors

Edinburgh Office

Carol Begbie (Owner) carol@femaleindependent.com
Susan Young (Owner) susan@femaleindependent.com
Kim Begbie (Office Manager) kim@femaleindependent.com


Ann Marie Heaney (Office Manager) annmarie@ms-m.co.uk
Dougie McGill dougie@ms-m.co.uk
Jimmy Brough jimmy@ms-m.co.uk
Lesley Halkett lesley@ms-m.co.uk

Money Sense Matters

Money Sense Matters

We are here to give you advice – the best advice.

On occasion that means telling a client to do nothing as there is no better deal on the market for their individual requirements at that particular time.

Money Sense Matters offers expert ‘whole of market’ mortgage and insurance advice. Our aim is to ensure you receive the best possible financial advice, whether you are thinking of a mortgage, remortgage, life insurance, writing a will*, or a whole range of money matters.

We have a team of dedicated mortgage advisers who are happy to meet and discuss all your financial concerns, providing the best advice and guidance along with an excellent level of customer service.

*Please note that wills are not regulated by the FCA.

Your Protection

If you wish to register a complaint, please write to or telephone. Female Independent- 113 Piersfield Terrace, Edinburgh EH8 7BS or 0131 652 1999.

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567.

Compensation Scheme

If you make a complaint and we are unable to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme.

Further information about the limits applicable to the different product types is available from the FSCS at http://www.fscs.org.uk/what-we-cover/products

Data Protection

The information you have provided is subject to the Data Protection Act 1998 (the “Act”). By signing this document you consent to us or any company associated with us for processing, both manually and by electronic means, your personal data for the purposes of providing advice, administration and management.

“Processing” includes obtaining, recording or holding information or data, transferring it to other companies associated with us, product providers, the FCA or any other statutory, governmental or regulatory body for legitimate purposes including, where relevant, to solicitors and/or other debt collection agencies for debt collection purposes and carrying out operations on the information or data.

In order to provide services to you we may be required to pass your personal information to parties located outside of the European Economic Area (EEA) in countries that do not have Data Protection Laws equivalent to those in the UK. Where this is the case we will take reasonable steps to ensure the privacy of your information.

We may also contact you or pass your details to other companies associated with us to contact you (including by telephone) with details of any other similar products, promotions, or for related marketing purposes in which we think you may be interested.

The information provided may also contain sensitive personal data for the purposes of the Act, being information as to your physical or mental health or condition; the committing or alleged committing of any offence by you; any proceedings for an offence committed or alleged to have been committed by you, including the outcome or sentence in such proceedings; your political opinions; religious or similar beliefs; sexual life; or your membership of a Trade Union.

If at any time you wish us or any company associated with us to cease processing your personal data or sensitive personal data, or contacting you for marketing purposes, please contact The Data Protection Officer on 0141 292 6288 or in writing at 2/2 Kensington House, 227 Sauchiehall Street, Glasgow G2 3EX

You may be assured that we and any company associated with us will treat all personal data and sensitive personal data as confidential and will not process it other than for a legitimate purpose. Steps will be taken to ensure that the information is accurate, kept up to date and not kept for longer than is necessary. Measures will also be taken to safeguard against unauthorised or unlawful processing and accidental loss or destruction or damage to the data.

Subject to certain exceptions, you are entitled to have access to your personal and sensitive personal data held by us. You may be charged a fee (subject to the statutory maximum) for supplying you with such data.

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 0131 652 1999 (Edinburgh)
 0141 292 6288 (Glasgow)
 Online Enquiry