Looking to reduce your monthly payments, release equity, or secure a better mortgage deal? At Empire Mortgages in Dunfermline, our expert advisers make remortgaging simple, stress-free, and tailored to your goals. With over 60 years of combined experience, we help homeowners across Fife find the right remortgage for their needs.
A remortgage is when you switch your existing mortgage to a new deal — either with your current lender or a different one. It’s a smart financial move that can help you save money, access better rates, or release equity from your home.
You might consider a remortgage if:
At Empire Mortgages, we’ll review your current deal, explore the market, and handle the entire process from start to finish — ensuring you get the best outcome possible.
Remortgaging can be a great way to improve your financial position. Here are some of the most common reasons homeowners choose to remortgage:
Secure a better interest rate – avoid being moved to your lender’s higher standard variable rate.
Reduce monthly repayments – save money every month with a more competitive deal.
Release equity – unlock funds from your property for renovations, investments, or other financial goals.
Consolidate debts – combine multiple repayments into one affordable mortgage.
Switch mortgage type – move from an interest-only to a repayment mortgage for long-term stability.
Our experienced advisers can help you understand which option is right for your circumstances and how much you could save.
At Empire Mortgages, we pride ourselves on providing honest, transparent, and personalised advice. With over 60 years of combined experience, our team has helped countless homeowners in Dunfermline and across Fife remortgage successfully.
Here’s why clients choose us:
We take the time to understand your situation before recommending the most suitable remortgage options available.
We make the remortgaging process simple, clear, and convenient.
Initial Consultation – We review your current mortgage, remaining term, and financial goals.
Market Search – Using our whole-of-market access, we find competitive remortgage rates suited to your needs.
Application & Paperwork – We handle all the admin and liaise with the lender on your behalf.
Completion – Your new mortgage begins, and you start saving money or accessing your released funds.
Every homeowner’s goals are different, which is why we offer tailored remortgage advice across a range of options:
We’ll compare options and explain the pros and cons of each so you can make an informed decision with confidence.
As independent mortgage brokers based in Dunfermline, we understand the local property market and the needs of homeowners across Fife. Whether you’re in Dunfermline, Kirkcaldy, Glenrothes, or further afield, we’ll provide expert advice and ongoing support to ensure your remortgage goes smoothly.
Ready to See How Much You Could Save?
Whether you’re looking for a better rate, extra funds, or a financial refresh, Empire Mortgages makes remortgaging easy. Our friendly, experienced advisers will compare deals, handle the paperwork, and ensure you get the best value possible.
Book Your Free Consultation with Empire Mortgages Today
Typically, the best time to remortgage is around 3–6 months before your current mortgage deal ends. This ensures you can move straight onto a new, lower rate.
Savings depend on your current rate, remaining term, and new deal. Many homeowners save hundreds of pounds per month.
Yes. Even if your credit score has improved or declined, we can explore suitable options across different lenders.
There may be valuation, legal, or early repayment fees depending on your lender. We’ll break down all potential costs upfront.
Yes – equity release through remortgaging allows you to access funds for renovations, investments, or personal financial goals.
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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