At Empire Mortgages, we are dedicated mortgage brokers in Dunfermline, committed to providing professional, friendly, and tailored mortgage advice. With over 60 years of combined experience, our expert advisers ensure that your personal circumstances and best interests are at the heart of everything we do. Whether you’re buying your first home, moving, remortgaging, or investing in property, we are here to make the process as smooth and stress-free as possible.
Craig Murray
Mortgage & Protection Adviser
Hi, I’m Craig, Co-Director here at Empire Mortgages. I’ve spent over 25 years in financial services, and I bring all that experience into helping my clients feel confident, informed, and fully supported every step of the way. I’m passionate about offering a friendly, professional service and take real pride in the relationships I build. Whether it’s securing the right mortgage or putting protection in place for you and your family, I’m here to make the process as smooth and straightforward as possible. No two days are the same in this job, and that’s exactly what I love about it, meeting people and making a real difference. Outside of work, I’m a proud dad to three grown-up children and a very proud grandad too. I spend most of my spare time with my golden labradoodle, Ness, who does a great job of keeping me on my toes! I also enjoy relaxing with good music and making the most of time with family. If you’re looking for honest advice backed by years of experience, I’m here to help.
Nathan Hunter
Mortgage & Protection Adviser
Hi, I’m Nathan , Co-Director here at Empire Mortgages. I’ve worked in financial services and mortgage broking for over 20 years, and I’m still just as passionate about helping people today as I was when I started. For me, it’s all about building real relationships. I pride myself on offering expert advice in a friendly, down-to-earth way, making sure every client feels supported, informed, and completely looked after from start to finish. Whether you’re buying your first home, moving up the ladder, or reviewing your protection, I’ll guide you every step of the way, and help coordinate everything from estate agents to solicitors. Outside of work, I play pool competitively for Team Scotland, which is something I’m incredibly proud of. When I’m not at the table, you’ll usually find me enjoying time with my partner Sian and our cockapoo Georgie- who definitely keeps us on our toes! I also love keeping fit, catching live gigs, sunny holidays, and making time for friends and family. If you're after expert advice with a personal touch, I’m always here to help.
Scott Eldridge
Mortgage & Protection Adviser
With over 25 years of experience in the financial world, I bring a wealth of knowledge to help my clients make confident, informed decisions about their mortgages and protection. I know that organising a mortgage can feel overwhelming, but that’s where I come in. Whether you’re buying your first home, moving, or simply looking to get a better deal, I’ll take care of the hard work so you don’t have to - offering a bespoke, stress-free service tailored to your needs. Originally from Edinburgh, I’ve called Dunfermline home since 2008. I’m married with three amazing children, and they’re my biggest motivation in everything I do. That same drive is what pushes me to go the extra mile for every client. If you’re looking for trusted advice with a personal touch, I’m here to help make the whole process as smooth as possible.
Emma King
Mortgage & Protection Adviser
I’ve been a mortgage and protection adviser for 12 years now, starting off my journey in banking before becoming a broker just over two years ago. That experience means I’ve seen all sides of the mortgage process, and I know how important it is to have someone in your corner who genuinely cares. I’m passionate about making things simple, clear, and stress-free for my clients. Whether you’re a first-time buyer, looking to remortgage, or sorting out your protection, I’ll take the time to understand what matters most to you and give you honest advice that suits your life, not just the paperwork. Outside of work, I’m a proud dog mum to two excitable Labradors and love nothing more than heading off in my van for a weekend adventure. If you're after friendly, down-to-earth advice and someone who’ll truly look out for you, I’m here to help.
Lucy Macdonald
Mortgage & Protection Adviser
I’ve worked in the mortgage industry for 12 years, and what I enjoy most is helping people make sense of what can sometimes feel like a complicated process. Whether you’re buying a home or remortgaging, I believe good advice should be clear, straightforward and easy to understand. I’ll take the time to get to know you, explain things in plain English and make sure you feel supported from start to finish. For me, it’s about getting to know the people behind the mortgage and making the whole experience feel as straightforward as possible. Outside of work, life revolves around my partner, our wee boy and our crazy rescue pup! I love getting out for walks, cooking up something good and, when the weekend comes around, enjoying a glass (or two!) of wine.
Brogan Gilfillan
Case Manager
I’m the Case Manager here at Empire Mortgages, which means I’m the one working behind the scenes to keep everything running smoothly, from managing new business and handling day-to-day admin, to making sure our clients feel supported throughout their mortgage journey. I’ve got a background in estate agency and customer service management, which gives me a real understanding of the home-buying process from all angles. That experience helps me stay one step ahead, making sure everything’s on track and nothing slips through the cracks. I also look after our social media and branding - planning content, creating visuals, and keeping everything on-brand so that our online presence reflects exactly who we are: friendly, professional, and people-focused. Outside of work, life is busy (and noisy!) with my husband, our toddler, and our energetic sprocker spaniel keeping me on my toes. Whether we’re out on a walk, exploring somewhere new, or just enjoying a bit of chaos at home, there’s never a dull moment!
Terri Hoggan
Senior Mortgage Administrator
I’m the Mortgage Administrator here at Empire Mortgages, bringing over 10 years of experience supporting clients and advisers through every stage of the mortgage process. Throughout my career, I’ve developed a strong understanding of lender requirements, compliance, and the importance of accuracy and efficiency in progressing applications. My role involves managing applications, liaising with lenders, solicitors, and clients, and ensuring everything runs smoothly from submission through to completion. I pride myself on a helpful, friendly approach, making what can feel like a complex process as straightforward and stress-free as possible. Outside of work, I live with my partner and our two dogs, who certainly keep us busy. I enjoy entertaining friends and family, and spending time in the kitchen trying out new recipes.
Ellie Zaczek
Administrator
I’m an Administrator here at Empire Mortgages, supporting the team and helping to make sure everything runs smoothly for our clients.
I have a degree in Business Management and a background in customer service, where I developed a real passion for working with people. I’m organised, approachable and always happy to go the extra mile to make sure our clients feel supported throughout their journey.
Outside of work, you’ll usually find me spending time with family and friends, exploring the outdoors with my two dogs or planning my next trip. I love travelling, experiencing new places and making memories along the way.
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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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