Pangea Mortgages
Clontarf, Dublin 3
Pangea Mortgages combines 15+ years of finance experience with a forward-thinking advisory style, excelling at high-value purchases, first-time buyers, and specialist mortgages for professionals.
About Pangea Mortgages
Pangea Mortgages has been operating as a financially progressive mortgage broking service for over 15 years, and their Clontarf office reflects that ambition: a team that thinks holistically about your financial situation, not just which lender ticks the most boxes this week. Regulated by the Central Bank of Ireland, Pangea brings structure and rigour to every client engagement.
Their specialisation in high-value mortgages sets them apart in the coastal Dublin 3 market, where property prices regularly push beyond standard lending thresholds and Central Bank macroprudential rules — including the LTI/LTV exception policy — have to be navigated carefully. The team navigates complex income structures, multiple income streams, and significant loan sizes with confidence — and a 4.9-star rating across 180 reviews confirms that clients experience this competence firsthand. Pangea also carries a niche reputation for advising professionals in medicine and tech, understanding the income trajectory and employment patterns typical in those fields.
First-time buyers benefit from Pangea's transparent, educational approach: they walk clients through affordability, Help to Buy eligibility, lender criteria, and the full timeline well before any paperwork is signed. Switchers get a rigorous remortgage analysis against the current market, factoring in cashback incentives and any break fee payable, with clear projections of what a move could save over the remaining term.
Beyond the mortgage itself, Pangea advises on mortgage protection, income protection, life insurance, and pension planning — positioning themselves as a long-term financial partner rather than a transactional service.
Specialties & Services
- First-time buyer
- Switcher
- High-value
Frequently asked questions about Pangea Mortgages
How do I contact Pangea Mortgages?
You can contact Pangea Mortgages by phone on +353 1 515 1000, by email at [email protected], or through their website at https://pangeamortgages.com. Their office is located at Clontarf, Dublin 3. Most Dublin mortgage brokers offer an initial consultation by phone, video call, or in person — it is usually free and without obligation.
What areas does Pangea Mortgages serve?
Pangea Mortgages is based in Clontarf, Dublin 3, and regularly advises clients across Clontarf and the wider Dublin 5 area. Most Dublin mortgage brokers are happy to work with clients anywhere in Ireland because documents, signatures, and lender communication are largely digital — contact them directly to confirm whether they cover your location.
Does Pangea Mortgages work with first-time buyers?
Yes. Pangea Mortgages lists first-time buyers as one of their specialisms. They can guide you through Approval in Principle, the Help to Buy refund scheme, and the First Home Scheme, and help you understand the Central Bank of Ireland's 4x income cap and 90% loan-to-value limit that apply to first-time buyers.
Can Pangea Mortgages help me switch my mortgage?
Yes — Pangea Mortgages lists mortgage switching as one of their specialisms. Switching (sometimes called remortgaging) means moving your existing mortgage to a new lender to secure a better rate, a shorter term, or a cashback offer. A broker can compare your current rate against the full lender panel and handle the application paperwork end to end.
What should I expect at a first meeting with Pangea Mortgages?
An initial meeting with Pangea Mortgages is usually 45-60 minutes, free, and without obligation. Expect to discuss your income, deposit, existing debts, and timeline. Bring recent payslips, a current account statement, and a rough idea of the property price you are targeting. The broker will explain which lenders on their panel are the best match and what documents you will need to progress to Approval in Principle.
Does Pangea Mortgages charge a fee?
Most Dublin mortgage brokers, including those listed on Dublish, are paid a commission by the lender once your mortgage completes, so there is typically no direct cost to the borrower. Some brokers charge an additional advice or arrangement fee for complex cases (for example, self-employed, non-standard income, or multiple properties). Always ask Pangea Mortgages to confirm their fee structure in writing before you engage them — this is a requirement under Central Bank of Ireland consumer protection rules.
Where do the ratings for Pangea Mortgages come from?
The rating shown for Pangea Mortgages — 4.9 from 180 reviews — is aggregated from Google, not collected by Dublish. These are third-party reviews submitted by the broker's own clients on public platforms. Dublish surfaces this data to help you compare brokers; we do not verify individual reviews or moderate their content. We recommend reading the underlying reviews on the source platform before deciding.
Is Pangea Mortgages affiliated with Dublish?
No. Dublish maintains an independent directory of Dublin mortgage brokers and is not affiliated with Pangea Mortgages. We do not take payment for placement and brokers cannot pay to appear higher in our listings. If you spot out-of-date contact details or information on this page, please let us know and we will correct it.
Does Pangea Mortgages have a website?
Yes — you can visit Pangea Mortgages's website at https://pangeamortgages.com to learn more about their services, team, and regulatory details. All regulated mortgage brokers in Ireland must display their firm name, address, and Central Bank of Ireland registration reference on their website.