Looking to invest in property? At Empire Mortgages in Dunfermline, our expert advisers help landlords secure the right buy to let mortgage — whether you’re purchasing your first rental property or growing an established portfolio. With over 60 years of combined experience, we make the process simple, stress-free, and tailored to your needs.
A buy to let mortgage is a specialist mortgage designed for landlords who want to purchase or refinance rental properties. Unlike standard residential mortgages, lenders assess affordability based on potential rental income rather than just your salary.
Typical criteria for buy to let mortgages include:
Whether you’re a first-time landlord or managing multiple properties, choosing the right buy to let mortgage can make a big difference to your investment returns.
Every landlord’s situation is different, which is why we offer tailored buy to let mortgage advice across a range of options:
Whatever your goals, our team ensures you get the right advice and access to the most suitable lenders.
At Empire Mortgages, we’re not just brokers — we’re trusted advisers who put your property goals first. Here’s why landlords across Dunfermline and Fife choose us:
We take the time to understand your investment plans and find a solution that maximises your return.
As independent mortgage brokers based in Dunfermline, we understand the local property market. Whether you’re investing in central Dunfermline, Kirkcaldy, Glenrothes, or further afield across Fife, we’ll provide expert advice tailored to your investment area.
Our process is designed to keep things simple and stress-free:
Start your buy to let journey today – Contact us today!
Whether you’re a first-time landlord or managing a portfolio, Empire Mortgages is here to make securing a buy to let mortgage simple, straightforward, and successful.
Book Your Free Buy to Let Consultation with Empire Mortgages
Most lenders require at least a 20–25% deposit, though some may ask for more depending on your circumstances.
Yes – many lenders offer buy to let mortgages for new landlords, but criteria can be stricter. We’ll guide you through the options.
This depends on your tax position and long-term investment goals. Our advisers can explain the pros and cons of both.
Tax rules around rental income, capital gains, and allowable expenses can be complex. We’ll highlight considerations, though specialist tax advice may also be beneficial.
Yes – remortgaging can allow you to secure a better rate, release equity, or fund further investments.
Refer a Friend Scheme
Recommend a friend who is new to Empire Mortgages and if they then take out their mortgage with us, you’ll each receive £50 worth of vouchers.
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The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
Empire Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of TenetLime Ltd. TenetLime Ltd is authorised and regulated by the Financial Conduct Authority. Tenet Lime Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 150643.
Empire Mortgages Ltd may charge a fee for mortgage advice. The amount of the fee will depend on your circumstances and will be discussed and agreed with you at the earliest opportunity. Our typical fee is £295 payable on receipt of a full mortgage offer.
Registered in Scotland under reference SC545434
Registered office address: Unit 9, Flexspace, Pitreavie Business Park, Dunfermline, KY11 8UU
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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