Helping secure your dream home
Our financial advice will help you get the keys to your dream home.
Keeping your future insured
Our team will give you all the advice you need to make the correct decision.
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The Black Swan Theory

This metaphor that describes an event that comes as a surprise, has a major effect and is often inappropriately rationalised afterward with the benefit of hindsight. At Black Swan financial services, we recognise this theory and help you plan for a range of eventualities.


Black Swan was founded by Ken Milne who has over 15 years' experience working in financial services.


We pride ourselves on a professional and honest attitude to business and with a friendly, personal approach to our clients.


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Frequently Asked Questions

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Once I’d made the first phone call to Blackswan, it felt like a weight had been lifted, the office staff throughout the whole process were so helpful and very efficient. Meeting Ken who organised and selected the best mortgage for me was very professional and kept me informed throughout my application. I can highly recommend anyone considering getting a mortgage plus insurances to go with that, Blackswan is not only independent but I feel they put me first, many thanks to Ken and his team. – 5th May 2018

The service provided by Black Swan financial services was excellent. The advice given to us was explained in an understandable manner, with various options suggested. No pressure was applied to make a decision, we were just given good advice on the options open to us and left to make a decision. All the employees of Black Swan who have visited our home have been friendly, polite and professional. I would recommend Black Swan to anyone seeking sound financial advice. – 6th May 2018

I was impressed with the straightforward unpressured service given. I would not hesitate to contact Black Swan for their excellent financial services and advice. Thank you. – 18th May 2018

I would highly recommend using black swan there approach to listening to what you want and dealing with your circumstances is second to none, very happy. – 05th May 2018

Had all of my insurances reviewed by Ken from Black Swan. He was very efficient, handled most of the paperwork, made sure I had better coverage than before and saved me money in the process. I would very highly recommend Black Swan to anyone I know. – 10th May 2018

Excellent professional advice from a very honest and reliable person. I have known Ken for many years professionally and he has always been honest trustworthy and ethically. I have had an accident and life cover with him my husband has also taken policies with him, and many of my friends have too. I am going to get a mortgage and I will be doing this through black swan financial services. – 21st May 2018

I found Black Swan team extremely professional, clear and I felt comfortable. No pushiness or unnecessary calls. Great deal on my remortgage which then led me to redo my insurance policies. Would highly recommend to anyone. Ken is lovely so friendly and easy to deal with. – 14th June 2018

The service, support and the personal approach helped me feel at ease all the way through the remortgage process. I will definitely recommend Black Swan and will use them again in the future. – 24th July 2018

They keep in contact and let you know the stages you are at I was most impressed with the outcome. -07 March 2018 


Ken was very professional and friendly and had the answers to all my questions Most impressed with the speed and professionalism of the service -01 April 2018


Kenneth had a vast knowledge of the services he was recommending to us and knew which would be most appropriate for us. He listened to our budget and didn’t try to push us into something we didn’t want/need. I felt totally at ease and not pressured at all. Kenneth is a fantastic adviser, very friendly and personable and highly knowledgeable. I would not hesitate to recommend him, I recommended him to my parents and brother.    -08 April 2018

Your property may be repossessed if you do not keep up repayments on your mortgage.

Your initial mortgage consultation is always free of charge. Depending on the complexity of your mortgage there may be a fee for our mortgage advice and arrangement service, which will be discussed and agreed before you make a mortgage application. A typical fee is £345 and will never be more than 1% of the mortgage amount.

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