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home services & cost staff location & contact
The Directors
Graham Manser mortgage and insurance adviser

From left to right…Richard Penny,
George Chappell, Angus Hogg, 'The Directors' with over
50 years experience between them.

Graham Manser...
our mortgage and insurance adviser.
Jackie Beano the black dog

Jackie… the friendly
voice at the end of the phone.

Beano…the ‘company Director’.
This is how we got our name!


Black Dog Financial Services Ltd began life back in 2004.
We at Black Dog are truly independent financial advisers and are totally committed to giving independent advice.

"Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it".
"For mortgages, our typical fee is £147.00 and/or we can receive commission from the lender".
"The Financial Services Authority does not regulate Banking, Will Writing, Loans, Credit Cards, some forms of Mortgage, Tax Advice, Offshore Investments, and Estate Planning".
"Level and bases of, and reliefs from, taxation are those currently applying but are subject to change and their value depends on the individual circumstances of the investor. The value of investments can go down as well as up, as can the income derived from them. Past performance does not guarantee future growth or income and you may not get back the full amount invested."
ifa logo Black Dog Financial Services Ltd is authorised and regulated by the Financial Services Authority
Registered in Scotland No.265100. Registered Office - 35 Moray Street, Elgin, Moray, IV30 1JH.

Black Dog Financial Services Ltd
35 Moray Street
Elgin, Moray
Scotland, UK
IV30 1JH
Tel: 01343 552900
E-mail: ifa@blackdogifa.co.uk

© Black Dog Financial Services Ltd 2008