Who qualifies for a public sector mortgage?

To qualify for a public sector mortgage, you must be employed in a public sector role. This includes full-time permanent employees as well as those on probation or with rolling contracts, depending on specific criteria. Your income, including basic salary, overtime, and allowances, will be factored into the mortgage assessment.

What documentation is required to apply for a public sector mortgage?

You will need to provide proof of employment, such as a recent payslip, employment contract, or a letter from your employer. Additionally, you will need to supply documentation of your income, including any allowances or overtime, as well as personal identification and details of the property you intend to purchase.

Can I include overtime and allowances in my mortgage application?

Yes, Pangea Mortgages considers overtime and contractual allowances in the mortgage assessment, provided these are confirmed by your employer and reflected in your income documentation.

Do you charge a fee for public sector mortgages?

Our initial consultation and eligibility check are completely free. We only earn a commission from the lender if your mortgage successfully draws down.

What are the benefits of a public sector mortgage with Pangea Mortgages?

The key benefits include tailored mortgage options that take into account public sector pay scales, faster approval processes, flexible repayment options, and the ability to take mortgage breaks during significant life events.

How does Pangea Mortgages calculate the amount I can borrow?

We calculate your borrowing capacity based on your basic salary and include any relevant allowances and overtime. We may also take into account potential salary increases if you are expected to move up the pay scale soon.

How long does it take to get approved for a public sector mortgage?

The approval time can vary, but Pangea Mortgages is committed to fast-tracking the process for public sector employees. Once all required documentation is submitted, our streamlined process ensures quicker approvals compared to standard mortgages.

Can I apply for a public sector mortgage online?

Yes, you can start your mortgage application online through our website. Our process is designed to be straightforward and user-friendly, allowing you to complete the initial steps at your convenience. If you prefer, you can also speak directly with one of our mortgage advisors.

What does switching my mortgage mean?

Switching your mortgage, also known as remortgaging, involves moving your current mortgage from one lender to another. This can be done to take advantage of better interest rates, more favourable terms, or additional mortgage features that better suit your financial situation.

Why should I consider switching my mortgage?

You should consider switching your mortgage if you can secure a lower interest rate, wish to reduce your monthly repayments, want to switch from a variable-rate to a fixed-rate mortgage, or if your property’s value has increased significantly. Switching can also be beneficial if your financial situation has changed and you require different mortgage terms.

How can Pangea Mortgages help me switch my mortgage?

Pangea Mortgages assists you by evaluating your current mortgage, understanding your financial goals, and comparing offers from a wide range of lenders. We provide expert advice, handle the paperwork, and guide you through every step of the process to ensure a smooth and beneficial mortgage switch

Are there any costs associated with switching my mortgage?

Yes, there may be costs involved when switching your mortgage, such as early repayment charges, application fees, or legal fees. However, the long-term savings from a lower interest rate or better terms can often outweigh these initial costs. Pangea Mortgages will help you understand all potential costs and savings to make an informed decision

How long does the mortgage switching process take?

The mortgage switching process can vary depending on your specific circumstances but typically takes between 4 to 8 weeks. Our team at Pangea Mortgages works efficiently to streamline the process, ensuring a smooth transition to your new mortgage provider.

Can I switch my mortgage if I'm in negative equity?

Switching mortgages while in negative equity is challenging but not impossible. It depends on your current lender’s policies and whether you can find a new lender willing to accept your application. We can discuss your individual situation and explore all available options

How often should I review my mortgage?

It’s advisable to review your mortgage regularly, at least once every few years, or when there are significant changes in interest rates or your personal financial situation. Regular reviews can help ensure that your mortgage continues to meet your needs and that you are not paying more than necessary

Will switching my mortgage affect my credit score?

Switching mortgages may have a temporary impact on your credit score due to the credit checks performed by new lenders. However, this is typically minor and short-lived. Consistently making mortgage payments on time after switching will help maintain or even improve your credit score.

Can I switch my mortgage to a different type of rate?

Yes, when switching your mortgage, you can choose to move from a variable-rate to a fixed-rate mortgage, or vice versa, depending on what suits your current financial needs and future plans

How do I start the process of switching my mortgage with Pangea Mortgages?

Starting the process is easy. Contact us through our website, by email, or by phone to schedule an initial consultation. Our team will guide you through every step, ensuring a tailored and transparent mortgage switching experience

4.9 out of 5 based on 134 reviews

Specialist Mortgages for Doctors: Maximise Your Borrowing Power

Tailored Mortgage Solutions for Medical Professionals

As featured in HeyDublin

      EXCELLENT  
   Based on 152 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Huria asghar 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great service! John explained all the steps in detail, very kind and calm person! Highly recommended
  
 
      Posted on Google  
   
   Vishnu Vardhan Reddy Yannam 
 
 
 
 Trustindex verifies that the original source of the review is Google. I recently worked with Pangea Mortgage team for my mortgage, and the entire experience was exceptional from start to finish. They were professional, knowledgeable, and incredibly patient in explaining every step of the process. They were always quick to respond to my questions, provided honest advice tailored to my situation, and ensured I secured a competitive rate. I always felt supported and well-informed throughout the journey. I highly recommend Pangea Mortgages to anyone looking for a reliable, trustworthy, and personable mortgage advisor.
  
 
      Posted on Google  
   
   Scott Dennehy 
 
 
 
 Trustindex verifies that the original source of the review is Google. Was a great help to me. Very informative
  
 
      Posted on Google  
   
   aisling ohare 
 
 
 
 Trustindex verifies that the original source of the review is Google. I couldn't recommend John enough. We had been in contact with another well known broker and they were so unhelpful, made the process so stressful! From the moment i rang John, he took control and got us mortgage approved!
  
 
      Posted on Google  
   
   Hassan Malik 
 
 
 
 Trustindex verifies that the original source of the review is Google. I can’t recommend John highly enough. He has been absolutely fantastic throughout our entire mortgage journey. From the very beginning, he was clear, responsive, and incredibly knowledgeable about the whole process. What really stood out was how accommodating he was with last-minute changes in plans. The property market can be stressful and unpredictable, but John handled every twist and turn calmly and professionally. He was always available to answer questions, explain options in simple terms, and guide us through each step with patience. If you’re looking for a reliable, proactive, and supportive mortgage broker, I would highly recommend him. Five-star service all the way.
  
 
      Posted on Google  
   
   ivi L A 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great people and amazing service, would highly recommend to anyone !
  
 
      Posted on Google  
   
   Richard Burke 
 
 
 
 Trustindex verifies that the original source of the review is Google. John was very easy to deal with throughout the mortgage process and responded quickly to any queries or issues. I would happily use his services again in the future.
  
 
      Posted on Google  
   
   Enda Connolly 
 
 
 
 Trustindex verifies that the original source of the review is Google. As a couple living in the UAE and relocating to Ireland this year, John provided clear, informed and honest advice as first time buyers. John was selfless with his time, outlining a detailed road map for us which we greatly appreciated. Highly recommend.
  
 
      Posted on Google  
   
   Manal B. 
 
 
 
 Trustindex verifies that the original source of the review is Google. John is an absolute legend. Super quick with his response, the whole application process was a breeze with their online portal. Our decision to go with them relieved us from a huge stressful situation.
  
 
      Posted on Google  
   
   Jenny Quinn 
 
 
 
 Trustindex verifies that the original source of the review is Google. Absolute pleasure dealing with Advisor (John). He has shown that there is light at the tunnel and hope for hard working families that can't catch a break with some financial institutions. Very easy to deal with and quick responses.

Get Expert Mortgage Advice for Doctors

Saving you both time and money

Pangea Mortgages understands that the financial needs of doctors and other medical professionals are unique and often complex. With varying income patterns, demanding schedules, and the pressures of a medical career, finding the right mortgage can be challenging.

Pangea Mortgages specialises in providing bespoke mortgage solutions specifically designed for doctors, ensuring you receive the best possible advice and mortgage options tailored to your specific circumstances.

Calculate Mortgage Repayments

Flexible Mortgage Options for Every Career Stage

Whether you are a newly qualified doctor, a locum, or a senior consultant, Pangea Mortgages offers a range of mortgage solutions designed to fit your career stage and financial situation. We work with multiple lenders to provide flexible options that accommodate your unique income structure, whether through a steady salary, varying income patterns, or locum work.

Our Specialist Mortgage Services

First-Time Buyer Mortgages: Helping doctors secure their first home with competitive mortgage rates and expert guidance throughout the buying process.
Buy-to-Let Mortgages: Offering advice and solutions for doctors interested in property investment, helping you build a profitable portfolio.
Self-Employed Mortgage Solutions: For doctors running their own practices or working as locums, securing a mortgage can be challenging. We specialise in finding mortgage solutions that recognise your unique income structure.
Mortgage Protection Insurance: Ensuring your mortgage is protected with comprehensive insurance, offering peace of mind against unforeseen circumstances.
Switcher Mortgages: Simplifying the process of switching your mortgage to a better rate, saving you time and money.

Pangea Mortgages is dedicated to helping doctors and medical professionals find the perfect mortgage solution tailored to their needs. Our experienced brokers are ready to answer your questions and guide you through the entire mortgage process. Contact us today to discuss your mortgage needs and discover how we can help you secure your dream home with a mortgage designed for doctors.

# STEPS & PROCESS

Go Beyond With Pangea Mortgages

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

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

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.

Why Choose Pangea Mortgages?

Choosing the right mortgage broker is key to securing a mortgage that fits your needs as a medical professional. At Pangea Mortgages, our combination of expert knowledge, exceptional customer service, and efficient processes sets us apart from other brokers. We not only simplify the mortgage process but also ensure you receive the best possible advice and options, saving you time and money.

Superior Knowledge: We provide unmatched expertise in the financial sector, guiding you through complex processes with ease.
Better Customer Service: Our commitment to exceptional service ensures every client interaction is both informative and supportive.
Fast Approvals: We streamline the approval process to provide quicker, more efficient results for our clients.
Hassle-Free Process: We handle the paperwork, liaise with lenders, and provide you with a stress-free experience from start to finish.

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.

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.

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Frequently Asked Questions

What types of mortgages does Pangea Mortgages offer for doctors?

Pangea Mortgages offers a range of mortgage options tailored specifically for medical professionals, including first-time buyer mortgages, remortgaging solutions, buy-to-let mortgages, and self-employed mortgage solutions. We understand the unique financial circumstances of doctors and provide flexible, competitive mortgage solutions that align with your career and financial goals.

How does Pangea Mortgages cater to the unique financial needs of doctors?

Our team has in-depth knowledge of the financial landscape for medical professionals, which allows us to offer specialised advice and mortgage options that consider your income patterns, career stage, and long-term financial objectives. We also offer flexible solutions that accommodate irregular working hours and varying income levels, ensuring the mortgage process is smooth and tailored to your needs.

Can Pangea Mortgages help with mortgage protection insurance?

Yes, Pangea Mortgages provides comprehensive mortgage protection insurance to safeguard your investment. This insurance offers peace of mind by ensuring that your mortgage is protected in the event of unforeseen circumstances such as illness or injury.

What is the process for getting a mortgage through Pangea Mortgages?

The process begins with an initial consultation where we discuss your financial situation and mortgage needs. Our team then searches the market to find the best mortgage options tailored to your specific circumstances. Once you’ve selected a mortgage, we handle all the paperwork and liaise with lenders to secure approval quickly and efficiently. We support you through every step of the process, from application to completion.

How quickly can Pangea Mortgages secure a mortgage approval for doctors?

Pangea Mortgages is known for its fast approval process. While the exact timeline can vary depending on individual circumstances, we work diligently to streamline the process and secure mortgage approvals as quickly as possible. Our strong relationships with lenders help us expedite the process, ensuring that you can move forward with your property purchase without unnecessary delays.

Do you offer mortgage advice for self-employed doctors or locums?

Yes, we specialise in providing mortgage solutions for self-employed doctors and locum professionals. We understand the challenges of securing a mortgage with a non-traditional income structure and work with lenders who recognise and accommodate these unique circumstances. Our tailored advice helps ensure that you find a mortgage solution that fits your specific needs.

What makes Pangea Mortgages different from other mortgage brokers?

Pangea Mortgages stands out due to our combination of expert knowledge, exceptional customer service, and efficient processes. We offer a hassle-free mortgage experience by handling all the paperwork and liaising directly with lenders, allowing you to focus on your career. Additionally, our strong relationships with lenders enable us to secure competitive rates and fast approvals, saving you time and money.

Can Pangea Mortgages assist with investment property purchases?

Yes, we offer expert advice and mortgage solutions for doctors looking to invest in buy-to-let properties. Whether you’re a first-time investor or looking to expand your property portfolio, our team provides tailored support to help you navigate the complexities of investment property mortgages.

What other financial solutions can Pangea Mortgages provide or offer to support my financial goals?

We can also help with pension advice, income protection and life insurance. Contact us now to learn more or arrange a free consultation

4.9 out of 5 based on 134 reviews

Specialist Mortgages for Doctors: Maximise Your Borrowing Power

As featured in HeyDublin

Get Expert Mortgage Advice for Doctors

Saving you both time and money

Calculate Mortgage Repayments

Flexible Mortgage Options for Every Career Stage

Our Specialist Mortgage Services

Go Beyond With Pangea Mortgages

Initial Conversation

Application

Documents

Bidding & Legals

After Sale Agreed

Why Choose Pangea Mortgages?

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

Get Great Mortgage Rates

Great Mortgage Rate

Home Buyers Guide

Home Buyers Guide

House Prices

House Prices

Financial Check

Financial Check

Frequently Asked Questions

News & Articles

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