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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I have been with Black Swan for mortgage and insurance for several years. Recently I had a serious accident when I came off my motorcycle. I made one call to Ken and everything was sorted, he did most of the claim, chased everything up, and kept me informed on the progress of the claim. The money was in my account within two weeks. Black Swan was A1-100%. I recommend them to all my family and friends! – 4th June


Ken has been first class from beginning to end in my house purchase. He’s made what is usually a challenging life experience a pleasure not a chore. Responsive, knowledgeable and professional; I highly recommend Ken and the team. – July 23, 2019

Couldn’t thank Ken and his team enough with there help with our remortgage and sorting our life insurance out. Nothing was too much trouble and they were always there to help with any queries. Would HIGHLY recommend Ken and his team. – December 4, 2019

Have dealt with Ken for over 7 years and could not recommend enough. Time is spent discussing and finding the correct insurance to suit your personal needs which I wouldn’t know where to start. Having been in a position where I had to claim, everything was quick and simple meaning I was paid out quickly and stress free. Easy to get on with and don’t feel pressured into anything just great advice. – February 11

Black swan have been great especially in a time like this. Service is always A class and Ken is extremely clear and thorough in the options available. I would always recommend black swan hands down. – April 6

Massive thank you to ken and black swan !! Helping me sort the mortgage and all insurances needed ! Couldn’t be happier !! Highly recommend!!! – May 29


After Black Swan secured great mortgage deals for both of my sisters and their respective partners, when it came to remortgaging my house Ken was my first port of call. I was a bit nervous as to what might happen, as I’d had to put down a large deposit to get my original mortgage, and then had to fund renovating my house using 0% credit cards, with the total balance sitting at just over £20k. My intention was to borrow some equity back out of my house to pay off these cards as I remortgaged. What I wasn’t expecting to be able to do was reduce the remaining term of my mortgage down from 30 years to 15, to increase my mortgage to pay off the credit cards, and to reduce the amount I was paying each month (mortgage and credit cards vs. just new mortgage) by £150! Ken did some quick sums, and by doing this he has saved me something in the region of £170k – more than my house is even worth! Service was absolutely first class and I couldn’t have been happier. It was all really easy, and I hardly had to do a thing. A far cry from the experience I had taking out the initial mortgage via ‘The UKs leading mortgage intermediary brand’. If you need a mortgage, go to Black Swan. I won’t be looking anywhere else in the future. – June 22

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

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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