4.9 out of 5 based on 75 reviews

Your Trusted First-Time Buyer Mortgage Broker in Dublin

Navigate Your First Home Purchase with Ease

As featured in HeyDublin

mortgage broker

Killian Costelloe
Killian Costelloe
2023-08-21
Just had a chat with John Fahy this morning. Extremely helpful and explained everything very clearly to me. Thanks for all your help.
David Sullivan
David Sullivan
2023-08-18
We wanted to move from a tracker to a fixed rate mortgage and from the start John was extremely helpful and provided sound advice. He even supported us in areas nor related to the switch like arranging an appointment with a valuation agency. In the end, in a fast moving market, we believe we got the best deal it was possible to get.
Seshu Tirupathi
Seshu Tirupathi
2023-08-14
John was extremely professional and clear about all the steps in purchasing a home in Ireland. He was always accommodating with all our requests and transparent about how things are moving along in the application process. I would highly recommend his services if looking to buy a house, especially first-time buyers.
joice dondo
joice dondo
2023-07-19
Very helpful information I got from here , sound advice in a professional manner
Kevin Burrowes
Kevin Burrowes
2023-07-18
I wouldn't have been able to get through the mortgage processes without John, knows exactly what he is doing and should be charging more for his service. I would fully endorse his services for anyone who requires them.
Fiona Britton
Fiona Britton
2023-05-22
John was excellent to deal with, timely, efficient and helped us secure a mortgage with an excellent rate, we are in our home because of him !
slavisa miskovic
slavisa miskovic
2023-05-15
Quick response, definitely will ring them back

First-Time Buyer Mortgage Options Tailored for You

Saving you both time and money

Embark on your home-buying journey with Pangea Mortgages, where we turn the complex process of obtaining a first-time buyer mortgage into a smooth and understandable path.

In the bustling markets of Dublin and across Ireland, our dedicated team stands out by offering unparalleled guidance and support tailored specifically to first-time homebuyers. We specialise in demystifying mortgage criteria, ensuring you’re fully informed and confident every step of the way.

Calculate Mortgage Repayments

Why Pangea Mortgages Stands Apart

Leverage our deep understanding of the Dublin housing market

Access to exclusive rates that ensure affordability and value

A broad selection of lenders for more choice and flexibility

Benefit from our comparisons of fixed and variable rates

Custom solutions that reflect your unique financial journey

Your satisfaction and financial well-being are our primary focus

Guidance beyond the mortgage, covering all aspects of homeownership

Understand what you can afford with tailored evaluations

Begin Your Homeownership Journey Today

Start your path to homeownership with the guidance and support of Pangea Mortgages. Connect with us to explore how our tailored first-time buyer mortgage solutions can meet your needs.

Whether you’re ready to apply or just starting to consider your options, our team is here to provide the expert advice and support you need.

Fill out our contact form for personalised assistance, or call us to learn more about how we can help you achieve your dream of home ownership in Dublin and throughout Ireland.

# STEPS & PROCESS

Go Beyond With Pangea Mortgages

Best mortgage advisor

Potentially save thousands on your mortgage repayments, find a cheaper mortgage lender. Get step-by-step guidance on refinancing your mortgage or buying your first home.

Initial Conversation

Contact us and avail of an initial mortgage consultation. We will identify the right mortgage for your circumstances.

Application

Our experts will complete the application paperwork for you. We take the time to go through each section with you.

Documents

The financial advisor will guide you to the complete list of documents required

Bidding & Legals

Once we have secured your loan offer we will help you with bidding strategy and dealing with solictors.

After Sale Agreed

Once you go sale agreed we will help you to get to completion. We can also help with the insurances all lenders will require

1

How do you qualify for a mortgage? Banks will consider your gross salary, day to day expenditure, loans and savings. You need to be in permanent employment.

2

Investment Property - If you want to find out if now is a good time to buy an investment and what returns to expect - contact us now

3

Can You Get A Mortgage With Bad Credit? Yes, we can help with this. We work with specialist lenders who provide mortgages to those with credit issues. You must have no outstanding credit problems.

4

How Much Can You Afford? Calculate how much you can afford to borrow with the best mortgage brokers in Dublin. We can advise what the appropriate level of borrowings are and how much it will cost you over the life of your mortgage.

We help you understand the Mortgage process from start to finish.

Get Great Mortgage Rates

We will help you get a great low rate for your personal circumstances. Click the calculator below.

Great Mortgage Rate

Click the calculator below.
CALCULATOR

Home Buyers Guide

We can offer advice on how to deal with bidding with Estate Agents and picking a Solicitor.

Home Buyers Guide

We can offer advice on how to deal with bidding with Estate Agents and picking a Solicitor.
CONTACT US

House Prices

Will they go up or down? Should we hold off or buy now? You can utilise our outstanding qualifications and experience to find out what will happen next. Just give us a call.

House Prices

Will they go up or down? Should we hold off or buy now?
CALL US

Financial Check

Even if you’re not ready to buy just yet, we would be happy to give you advice on what you need to do to be in the best position when you are ready to apply for a mortgage

Financial Check

Even if you’re not ready to buy just yet, we would be happy to give you advice.
EMAIL US

FAQ's About First-Time Buyer Mortgage Broker

What are the qualifications for a first-time buyer mortgage with Pangea Mortgages?

To qualify for a first-time buyer mortgage with Pangea Mortgages, you typically need to have not previously purchased a property either alone or with someone else. Additional criteria include being in full-time employment, having a good credit history, and demonstrating sufficient repayment capacity to afford the mortgage. Specific conditions may vary, so please contact us for a personal assessment.

How much can I borrow as a first-time homebuyer?

The amount you can borrow as a first-time homebuyer usually depends on your income, financial commitments, and personal circumstances. Generally, mortgages can go up to 3.5 to 4 times your gross annual income. However, every situation is unique, and we recommend discussing your specific circumstances with one of our advisors.

What is the minimum deposit required for a first-time buyer mortgage?

Typically, first-time buyers in Ireland can borrow up to 90% of the property’s value, meaning a minimum deposit of 10% is usually required. There are exceptions and different conditions depending on the situation, so it’s best to speak with a mortgage advisor for the most accurate information.

How does the Help to Buy scheme work, and am I eligible?

The Help to Buy (HTB) scheme is designed to assist first-time buyers with obtaining the deposit required for purchasing or building a new house or apartment. The scheme provides a refund of income tax and Deposit Interest Retention Tax (DIRT) paid in Ireland over the previous four years. Eligibility criteria apply, and our advisors can help determine if you qualify and guide you through the application process.

Can I apply for a mortgage if I have never bought a house but have inherited property?

Yes, you may still qualify as a first-time buyer if you have inherited a property but have not purchased one. However, specific conditions apply, and it’s important to discuss your individual situation with a mortgage advisor to understand your options.

What should I expect during the mortgage approval process with Pangea Mortgages?

The mortgage approval process involves several steps, including assessing your financial situation, determining your borrowing capacity, submitting necessary documents, and undergoing a property valuation. Our team provides step-by-step guidance throughout the entire process, ensuring you understand each stage and what is required.

How long does the mortgage approval process take?

The duration of the mortgage approval process can vary based on individual circumstances, the completeness of your application, and the property in question. Typically, obtaining an Approval in Principle can take a few days to a few weeks. We strive to make the process as quick and efficient as possible while ensuring thoroughness and accuracy.

Can I switch my mortgage to Pangea Mortgages if I find a better rate?

Yes, if you find a better rate or wish to change your mortgage for other reasons, Pangea Mortgages can assist you with the switching process. We’ll compare rates, calculate potential savings, and guide you through each step to ensure a smooth transition.

What support does Pangea Mortgages offer after I've secured my mortgage?

Post-approval, Pangea Mortgages continues to support our clients with ongoing advice and assistance. Whether you have questions about your repayments, want to discuss changing rates, or are considering refinancing in the future, our team is here to help.

How can I get started with my first-time buyer mortgage application?

To begin your mortgage application, simply contact us at Pangea Mortgages through our website, by phone. One of our dedicated mortgage advisors will be happy to guide you through the initial steps and start your journey to homeownership.