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Best Mortgage Brokers in Dublin for High-Value Mortgages

The best Dublin mortgage brokers for high-value mortgages in 2026, per Dublish's shortlist, are Pangea Mortgages Clontarf, Pangea Mortgages Dún Laoghaire, Pangea Mortgages Malahide, Pangea Mortgages Dundrum, Pangea Mortgages Stillorgan, Harbour View Mortgages Dún Laoghaire and Sherry FitzGerald Mortgages.

Our methodology

This shortlist is drawn from the Dublin brokers profiled on Dublish whose profile specialties explicitly include high-value mortgages, covering south-county, coastal and south-city postcodes where higher purchase prices are most common. We ranked them by client rating weighted by the natural log of review count and, as a tiebreaker, by geographic coverage of the Dublin 4, Dublin 6, Dún Laoghaire-Rathdown, Malahide and Dundrum markets. All shortlisted brokers are authorised and regulated by the Central Bank of Ireland. Dublish is independent and is not paid by any broker on this list.

Selection criteria

  • Specialty in high-value mortgage cases (explicit tag match)
  • Minimum 4.6-star client rating
  • Minimum 80 client reviews (relaxed for specialist south-county firms)
  • Experience structuring applications that seek a Central Bank loan-to-income allowance
  • Coverage of Dublin 4, Dublin 6, Dublin 14, Dublin 18, Malahide or Dún Laoghaire-Rathdown markets
  • Authorised and regulated by the Central Bank of Ireland

Shortlisted brokers

  1. Why shortlisted: Pangea's flagship Dublin office, 4.9 stars across 180 reviews, with an explicit high-value specialty. It has more than 15 years of broker experience, Central Bank regulation, and a structured approach to applications that seek an LTI allowance for Dublin 3 and coastal northside purchasers.

  2. Why shortlisted: 4.9 stars across 110 reviews in one of Pangea's highest-performing branches. It serves the DLR county market, where high-value transactions and applications above standard lending limits are common.

  3. Why shortlisted: 4.9 stars across 95 reviews. Malahide, Portmarnock and the north coastal villages consistently transact at the upper end of the Fingal market, and Pangea's local office is built specifically for those higher-LTV and higher-LTI cases.

  4. Why shortlisted: 4.9 stars across 90 reviews. Dundrum sits at the centre of Dublin 14, Rathfarnham, and Churchtown, where family-home transactions often exceed standard LTI limits and may need an experienced broker.

  5. Why shortlisted: 4.6 stars across 120 reviews. Sherry FitzGerald Mortgages brings the estate-agent group's deep familiarity with Dublin 4, Dublin 6 and Dublin 18 high-value stock, useful where the advisor needs to understand the property valuation context in detail.

  6. Why shortlisted: 4.9 stars across 85 reviews in south County Dublin. Stillorgan, Foxrock, and Kilmacud purchases often involve high-value detached family homes that may need an application for lending above the standard LTI limit.

  7. Why shortlisted: 4.8 stars across 88 reviews. The non-Pangea option on this list, giving DLR buyers a choice of adviser. Harbour View combines a network-level systems approach with on-the-ground DLR property market knowledge.

Frequently asked questions

What counts as a high-value mortgage in Dublin?

There is no fixed legal definition. In the Irish market, a high-value mortgage usually means a loan above €500,000 or a loan that exceeds the applicable standard loan-to-income limit. That limit is 4 times gross income for first-time owner-occupiers and 3.5 times for second/subsequent owner-occupiers. Individual lenders may also apply stricter credit policies to large loans.

What is the Central Bank loan-to-income allowance?

The Central Bank permits 15% of first-time buyer lending and 15% of second/subsequent buyer lending to exceed the standard LTI and LTV limits. This is an allowance at lender level, not a borrower entitlement or a separate fixed multiplier. Each lender decides which applications may use its allowance and must still assess affordability and suitability.

What loan-to-value limits apply to high-value mortgages?

The Central Bank sets a 90 per cent LTV limit for both first-time and second/subsequent owner-occupiers. This means a minimum 10 per cent deposit. Buy-to-let mortgages have a 70 per cent LTV limit, which means a minimum 30 per cent deposit. Individual lenders may set stricter LTV limits for larger loans as part of their own credit policy.

Why use a broker rather than going directly to a private bank?

A handful of Irish lenders offer a private-banking service for higher loan sizes, typically requiring minimum loan amounts and deposit thresholds. A broker can benchmark the private-bank offer against mainstream high-value offerings from AIB, Bank of Ireland and others, many of which match or beat the private-banking rate at comparable LTVs. The broker's comparison ensures the applicant is not paying a premium purely for the private-bank label.

Do high-value mortgages take longer to underwrite?

Often yes. Applications that seek lending above the standard limits and applications for larger loans may receive senior underwriter review. Lenders may request auditor letters for self-employed directors, investment and pension statements, explanations of deposit sources, and anti-money-laundering checks on larger transfers. A broker experienced in high-value cases can prepare these documents at application stage to reduce delays.

Can I use an LTI allowance to consolidate other debt?

An LTI allowance only permits a lender to approve an eligible home loan above the standard income limit. It does not override the lender's affordability assessment or remove existing debts from that assessment. A lender may require non-mortgage debt to be repaid before drawdown, but that is a lender decision rather than a feature of the Central Bank allowance.

Does a higher loan mean a higher broker fee?

For most brokers on this shortlist, no. Commission is paid by the lender, typically at a standardised percentage of the loan amount. Some brokers charge an additional flat fee for complex high-value cases involving lending above standard limits, income from several jurisdictions, or international asset documents. The broker must disclose this fee in the Terms of Business before engagement.

How we list brokers →