Understanding the Best Mortgage Advisor Role in 2026
February 21, 2026
Income Protection Services Tailored for You
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
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
# STEPS & PROCESS
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.
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
Once we have secured your loan offer we will help you with bidding strategy and dealing with solictors.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
