4.9 out of 5 based on 75 reviews

Unlock the Best Mortgage Rates in Ireland with Pangea Mortgages

Your Premier Guide to Mortgage Interest Relief and Rates

As featured in HeyDublin

A calculator and several colored houses. The concept of buying a home on credit or a mortgage

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

Compare Ireland’s Best Mortgage Deals

Saving you both time and money

Discover how Pangea Mortgages can help you navigate the complexities of mortgage rates and interest relief in Ireland.

With our deep industry knowledge and commitment to providing clear, expert advice, we guide you through every step of securing your ideal mortgage deal.

Whether you’re a first-time buyer or looking to remortgage, our expert brokers are here to simplify the process and secure the best rates for you.

Calculate Mortgage Repayments

Why Choose Pangea Mortgages?

Our Mortgage Deal Services

Use our comprehensive mortgage comparison tool to evaluate the latest deals across Ireland’s leading lenders. From first-time buyer offers to switcher mortgages, Pangea Mortgages ensures you have all the information at your fingertips to make a choice that’s right for you. Our tool simplifies comparisons, providing you with real-time data on rates, terms, and eligibility criteria.

  • First-Time Buyer Specials: Explore top mortgage options designed for new entrants into the property market.
  • Switcher Mortgage Deals: Find out how switching lenders could lower your repayments.
  • Investment Mortgage Insights: Gain from our analysis on the most lucrative investment mortgage rates.

Navigating Your Mortgage Choices

First Home scheme Ireland
  • Custom Quotes: Request a personalised quote based on your specific financial profile.
  • Detailed Rate Information: Access up-to-date interest rate data and APR comparisons.
  • Financial Calculators: Use our tools to determine your borrowing capacity and repayment scenarios.
  • Regulatory Advice: Get expert insights into how mortgage regulations affect your options.
  • Protection Products: Learn about associated insurance products that protect your home and mortgage.


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.

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.

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 Mortgage Rates Ireland

What are the current mortgage rates in Ireland?

Mortgage rates can vary depending on several factors including the type of mortgage, the lender, and the applicant’s financial profile. Pangea Mortgages provides real-time updates and comparisons on the most competitive mortgage rates available from a variety of lenders across Ireland. Contact us to get the most accurate and current rates tailored to your situation.

How can I qualify for mortgage interest relief in Ireland?

Mortgage interest relief is available to qualifying homeowners for interest paid on loans used to buy, improve, or repair a residential property. The specifics of qualifying for this relief can vary, so it’s best to consult with our mortgage advisors who can provide guidance based on the latest regulations and your personal circumstances.

What should I consider when choosing a mortgage?

When selecting a mortgage, consider the interest rate, the type of rate (fixed or variable), the term of the loan, repayment amounts, and any associated fees. It’s also important to think about your long-term financial goals and how the mortgage fits with those plans. Our experts can help you weigh these factors to find the best mortgage solution for you.

Can Pangea Mortgages help me find the best switcher mortgage?

Absolutely! Our mortgage comparison tools and expert advice make it easy to find and switch to a better mortgage deal. We assess your current mortgage and compare it with other offers in the market to ensure you get a deal that improves your financial position.

What is a fixed-rate mortgage?

A fixed-rate mortgage offers a steady interest rate and predictable monthly payments for a set period. This type of mortgage is ideal if you prefer stability and would like to budget precisely for your mortgage payments over the coming years without worrying about interest rate fluctuations.

How do variable-rate mortgages work?

Variable-rate mortgages have interest rates that can change based on the lending market. The rate you pay might go up or down, which means your monthly repayments could vary throughout the term of your mortgage. They offer flexibility and can be lower than fixed rates initially, making them appealing to some buyers.

What documents do I need to apply for a mortgage?

You will typically need to provide proof of income, employment details, identification, proof of address, and details of your financial history. Our team at Pangea Mortgages can guide you through the exact documents required for a smooth application process.

How long does the mortgage application process take?

The time frame can vary depending on the complexity of your financial situation and the type of mortgage. On average, it can take anywhere from a few weeks to a few months. Our team works efficiently to ensure your application proceeds as quickly as possible.

Can I pay off my mortgage early?

Yes, it is possible to pay off your mortgage early. However, some lenders may charge an early repayment fee, especially if you have a fixed-rate mortgage. We can help you understand the terms of your mortgage agreement and how you might save on interest by paying your mortgage off early.

How can I get started with my mortgage application?

Getting started is easy with Pangea Mortgages. Simply contact us through our website, by phone, or email, and one of our mortgage advisors will be happy to help you begin the application process. We look forward to helping you achieve your homeownership goals with the best possible mortgage solution.