16/03/2026
Meet Phil Keith, founder of Mellow Financial and one of BNI Concorde’s most committed members. Phil’s mission is simple but powerful: to build a successful business that protects his family’s future — whether through a strong pension for him and his wife or a legacy his children can one day join, should they choose to.
🌟 Achievements
Mellow Financial has seen consistent month‑on‑month growth, going from zero to a six‑figure business in just two years. Phil has built a company powered by solid systems, efficient processes, and a genuine passion for helping people.
Recently nominated for an award, Phil is hoping this is the start of a growing trophy collection. And honestly? It’s well deserved.
⚡ Interests
With his ever active neurodivergent mind, his interest are ever evolving… which keeps life exciting. Favourites currently include:
Pickleball
Darts
Clay pigeon shooting
Golf
Pretty much anything active
🤝 Networks
Phil is pure BNI, fully invested in helping the chapter grow and supporting fellow members. His energy, consistency, and reliability have made him a trusted professional in the group.
🧠 Skills & Strengths
Phil is a CeMAP‑qualified Mortgage & Protection Advisor.
His superpower? Taking complex financial concepts and explaining them in clear, simple, human language so clients feel confident, not overwhelmed.
🎯 Ideal Referrals
Phil helps:
Anyone looking for a mortgage
Individuals who want more personal service than a call‑centre lender can offer
Businesses that want a trusted partner
He’s especially keen to connect with:
Estate agents
IFAs
Accountants
These partnerships help ensure clients get the right mortgage and the right protection with the personal care Phil is known for.