As a professional, your career is built on expertise—and at Empire Mortgages, so is ours. We understand that professionals often have unique financial situations, from irregular income to complex pay structures. That’s why we offer specialist mortgage advice for professionals to help you secure the right deal, with terms tailored to your career and earning potential.
With access to whole-of-market mortgage products and specialist lenders, we help doctors, dentists, accountants, solicitors, company directors, and many other professionals secure the best mortgage deal based on their individual circumstances.
Not all mortgage lenders fully understand the financial lives of professionals, which can make getting the right mortgage unnecessarily complicated. That’s where we come in.
Here’s why many professionals benefit from specialist mortgage advice:
Complex Income Structures – Bonuses, overtime, profit shares, dividends, and contracts aren’t always straightforward to lenders.
Fluctuating Earnings – Especially common for self-employed professionals, contractors, and those paid in commissions.
Higher Borrowing Potential – Lenders often underestimate your future earning potential—particularly early in your career.
Career Growth Consideration – Many professional mortgage lenders offer preferential terms or flexibility, recognising your long-term earning prospects.
We work with lenders who truly understand your profession and can assess your situation accurately.
With over 60 years’ combined experience in financial services, you’ll benefit from:
Independent, Whole-of-Market Advice – Not tied to any one lender, so you get genuinely unbiased recommendations.
Specialist Expertise in Professional Mortgages – We know which lenders work best for different professions.
Personalised Service – One dedicated adviser from start to finish.
Hassle-Free, No-Jargon Approach – We take care of the admin, paperwork, and negotiation.
We’re proud to help professionals throughout Dunfermline and across Scotland.
Here’s how we make the mortgage process easier for professionals:
Whole of Market Search – Access to thousands of products across the entire mortgage market.
Specialist Lender Access – Including lenders that specifically cater to professionals or those with complex incomes.
Tailored Affordability Assessments – Helping lenders understand your true borrowing potential.
Help With Paperwork – We make sure your income is presented clearly and accurately to lenders.
Flexible Appointments – Online, phone, or face-to-face—whenever suits you.
We handle the mortgage application process from start to finish, leaving you to focus on your career.
If you’re a professional looking for expert mortgage advice, Empire Mortgages is here to help. We’ll guide you to the right lender, secure the best possible deal, and make the whole process straightforward and stress-free. Contact us today for a free consultation.
In many cases, yes—certain lenders offer higher income multiples for specific professions. We’ll help you find the right lender for your situation.
Yes, some lenders have exclusive rates or flexible criteria for specific occupations. We’ll find the most suitable option for you.
We work with lenders who take a flexible approach to professional income, even if you’re newly self-employed or paid in dividends.
While some professional mortgage products require smaller deposits, your specific deposit amount will depend on your chosen lender and circumstances.
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.
We're 5 Star Rated
Posted on Daria Bogatu2025-10-08Trustindex verifies that the original source of the review is Google. I’ve been working with Nathan for the past six years, and I couldn’t be more satisfied with the level of service and professionalism he provides. From our very first mortgage to subsequent renewals and life or house insurances Nathan has consistently gone above and beyond to ensure we get the best possible rates and terms. What stands out most is Nathan’s attention to detail, clear communication and genuine care for his clients. He takes the time to explain every option thoroughly, making what could be a stressful process feel straightforward and transparent. Over the years Nathan has proven to be reliable, knowledgeable and always available to answer any questions, no matter how small. I truly value our long term collaboration and wouldn’t hesitate to recommend Nathan to anyone looking for a trustworthy and experienced mortgage professional.Posted on Beniamin Nistor2025-10-07Trustindex verifies that the original source of the review is Google. I'm pleased to say that we've been working with the best. Thanks very much for helping us to make our dream come true.Posted on Sam2025-10-01Trustindex verifies that the original source of the review is Google. Nathan helped me with my mortgage application for my first property making it a smooth process. Very helpful and informative employee at Empire Mortgages, would recommend him and Empire Mortgages to anyone.Posted on Ben Wheeler2025-09-30Trustindex verifies that the original source of the review is Google. Absolutely fantastic service from Craig at Empire Mortgages highly recommended to anyone, fantastic experience from start to finish was always just a phone call away thank you again 😀Posted on Emma Dalziel2025-09-30Trustindex verifies that the original source of the review is Google. Excellent experience with the company. Talked us through every step of the way and was always only at the other end of the phone. Couldn’t recommend enough!! Thanks againPosted on DC (DC)2025-09-11Trustindex verifies that the original source of the review is Google. Emma has been absolutely fantastic throughout the whole remortgage process. She explained everything clearly, kept me updated at every stage, and was always quick to respond whenever I had questions. She went above and beyond to make sure everything was handled properly, and I wouldn’t hesitate to recommend her to anyone looking for a professional and reliable mortgage broker.Posted on Davie & Martin's Railway2025-09-11Trustindex verifies that the original source of the review is Google. Scott at Empire Mortgages was truly fantastic at getting me the best deal possible. He listened to all my needs and delivered an excellent product. A true 5 star performance.Posted on Lisa Duff2025-09-05Trustindex verifies that the original source of the review is Google. Scott was incredibly helpful throughout our mortgage process. He provided clear advice, answered all our questions, and guided us toward making the best decisions for our situation. We really appreciated his patience and support, and we would absolutely recommend him to others.Posted on Jane Locke2025-09-04Trustindex verifies that the original source of the review is Google. Nathan helped me with my mortgage 8 years ago when buying my first house, so when the time came to move on to a new property I could think of no one better to help me! Nathan is extremely friendly, down to earth and always available to help with anything property related or just general advice when I am clueless!! He will always strive to get you the absolute best mortgage rates - wouldn't go anywhere else! Thank youPosted on Benjamin Kessack-Morrison2025-08-11Trustindex verifies that the original source of the review is Google. Scott at Empire Mortgages Ltd. was recommended to me by a family member. Being a first time buyer, it was difficult to understand all of the jargon and details that come with buying a house, especially obtaining a mortgage. Scott made this process easy to understand and was there every step of the way, just a quick message or email away, to answer big and small questions and provide vital information. I was able to obtain my mortgage and associated insurances through Scott with no stress and would highly recommend Empire Mortgages Ltd. to anyone, especially first time buyers.
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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