4.9 out of 5 based on 75 reviews

Secure Your Financial Future with Expert Income Protection from Pangea Mortgages

Income Protection Services Tailored for You

As featured in HeyDublin

Income Protection

Killian Costelloe
Killian Costelloe
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
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
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
Very helpful information I got from here , sound advice in a professional manner
Kevin Burrowes
Kevin Burrowes
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
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
Quick response, definitely will ring them back

Expert Income Protection Towards Financial Security

Saving you both time and money

At Pangea Financial Services, we understand the uncertainties life throws your way. That’s why we’re committed to providing comprehensive income protection solutions that safeguard your financial well-being. Our expert team is here to guide you through the intricacies of income protection, ensuring you’re well-informed and confident in your choices.

Whether you’re facing temporary inability to work due to illness or injury, we’re here to ensure your financial stability isn’t compromised.

Our income protection plans are crafted to provide a safety net, ensuring that you and your family can maintain your standard of living, even in the face of health challenges.

Beyond just income protection, we offer a holistic approach to your financial well-being, considering all aspects of your financial future.

We cover all major insurers and can get you a free quote customised to your circumstances, Contact us now to find out now

Why Choose Pangea Financial for Your Income Protection?

Leverage our unmatched financial expertise for personalised income protection strategies

Access a wide range of options from leading insurers like Royal London, Aviva, and Zurich

Enjoy fast, hassle-free application and approval, minimising paperwork and wait times

Customise your plan with flexible coverage options, ensuring it fits your unique needs and lifestyle

Benefit from potential tax deductions on your income protection premiums, enhancing your financial advantage

Choose from various levels of coverage to ensure the protection suits your lifestyle and budget

Select the waiting period that aligns with your existing sick pay arrangements for optimal cost-effectiveness

Gain coverage that extends up to retirement age, ensuring long-term peace of mind


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.


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


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


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.


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


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.


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.

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.

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.

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?

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.

FAQ's About Income Protection Broker

What is income protection insurance?

Income protection insurance is a policy designed to provide you with a portion of your income if you’re unable to work due to illness or injury. It ensures financial stability by covering daily living expenses and other financial commitments during periods of health-related absence from work.

How does income protection insurance differ from health insurance or critical illness cover?

Income protection insurance provides regular payments to cover lost income due to any illness or injury that prevents you from working. In contrast, health insurance covers medical expenses, and critical illness cover provides a lump sum if you’re diagnosed with a specific serious illness. Income protection focuses on replacing a portion of your salary for a more extended period.

Who needs income protection insurance?

Income protection insurance is beneficial for anyone who relies on their income to support themselves and their family. It’s particularly crucial for self-employed individuals, freelancers, and employees without comprehensive sick pay benefits.

How much of my income will be covered by an income protection policy?

Typically, an income protection policy covers up to 75% of your pre-tax salary. However, this can vary based on the policy terms and your individual circumstances. Pangea Mortgages can help tailor a policy that meets your specific needs and budget.

How long does it take for an income protection policy to start paying out?

The waiting period, also known as the deferred period, is the time between when you stop working due to illness or injury and when your policy starts paying out. This period can range from 4 weeks to 52 weeks, depending on the policy you choose. The longer the deferred period, usually the lower the premium.

Can I protect income from multiple sources?

Yes, you can protect income from multiple sources. When setting up your policy, it’s essential to disclose all sources of income to ensure your coverage accurately reflects your financial needs. Our Pangea Mortgages advisors can assist in configuring the best approach for your situation.

Are there any tax benefits associated with income protection insurance?

Yes, in Ireland, premiums paid towards income protection insurance can be tax-deductible at your marginal rate of tax. This can reduce the net cost of your premiums but consult with a Pangea Mortgages advisor or a tax professional to understand how this applies to your individual circumstances.

How do I start the process of obtaining income protection insurance with Pangea Mortgages?

Starting the process is easy. Simply contact us to book a free consultation. We’ll discuss your needs, assess your situation, and provide you with a tailored quote. Our goal is to ensure you have the right coverage to protect your financial future.

Can I adjust my income protection insurance over time?

Yes, life changes, and so might your income protection needs. We recommend reviewing your policy periodically and contacting Pangea Mortgages to adjust your coverage as necessary, ensuring it remains aligned with your current lifestyle and income.

How do I make a claim if I need to use my income protection insurance?

If you need to make a claim, contact Pangea Mortgages directly. We will guide you through the claims process, helping you gather the necessary documentation and ensuring a smooth and efficient process to start receiving your benefits as quickly as possible

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