Specialist Mortgages for Indian Citizens in Ireland

Navigating the Irish property market as an Indian professional requires more than just a lender, it requires a partner who understands your journey. Whether you are on a Stamp 1, Stamp 1G, Stamp 4, or are a Naturalised Citizen, we help you turn your career into a permanent home.

We Work With All Major Irish Lenders & Specialist Providers:

Specialized Mortgage Support for Your Visa Type

Our team brings years of experience navigating the specific criteria Irish lenders apply to different residency permissions. We provide the clarity you need to apply with confidence.

STAMP 1 & CRITICAL SKILLS

New to Ireland? Many Indian professionals believe they have to wait years. We work with lenders who accept Critical Skills permits with as little as 6–12 months of residency history.

STAMP 4 & EU FAM

Already have long-term residency? We help you leverage your stability to access the full market of competitive fixed and variable rates.

Naturalised Citizens & 1G

Recently naturalised or moving from a 1G visa? We provide expert guidance on timing your application and accessing the Help-to-Buy scheme.

Breaking the "4x Salary" Barrier

We recognize that for many Indian professionals, the standard 4x salary lending limit can feel like the biggest barrier to homeownership, particularly in competitive markets like Dublin, Cork, or Galway. Our role is to look beyond the basic math to maximize your borrowing potential.

46x

Maximum Loan to Income (LTI) Exception Potential

Central Bank Standard First-Time Buyer Limit

Maximizing Your Borrowing Power As an Indian professional, you may have high earning potential that isn't fully captured by standard bank math.

As a high-skilled professional, your total compensation is often more complex than a basic base salary. We ensure lenders see the full picture:

LTI Exceptions

We actively secure “Loan-to-Income” exemptions for qualified applicants, allowing you to borrow up to 4.5x your salary.

The First Home Scheme

We are specialists in the “Equity Share” scheme, a vital tool for bridging the gap between your mortgage approval and the property’s purchase price.

Comprehensive Income Review

Many banks overlook variable pay. We ensure your bonuses, overtime, and Critical Skills salary increments are fully factored into your affordability assessment.

Your 4-Step Journey to Homeownership

1. INITIAL CONSULTATION

We review your visa, PPSN history, and Indian financial background.

2. AIP STRATEGY

We secure your Approval in Principle from a lender who favors your specific visa type.

3. PROPERTY SEARCH

You bid with confidence, backed by a specialist broker who understands the "Stamp" system.

4. KEY HANDOVER

We manage the final drawdown, including the verification of your final deposit transfer.

Success Stories From The Indian Community

"Navigating the Irish process was a breeze with Pangea's expert hip. From Stamp 1G to final drawdown, they were there. Highly recommended!"

Aditi S.

Tech (Dublin)

"Pangea helped us secure our home as naturalised citizens. Their understanding of our financial background was key to the process."

Priya & Rahul M.

Healthcare (Cork)

Frequently Asked Questions (FAQs)

Q1: Can I get an Irish mortgage on a Stamp 1 visa?

A1: Yes. While many banks are cautious, we have access to lenders who specialize in Visa-based mortgages. We focus on your Critical Skills permit and professional stability to build a strong case.

Q2: Can I use my NRE/NRO savings as a deposit?

A2: Absolutely. However, you must provide a clear "paper trail" showing the funds leaving your Indian account and arriving in Ireland. We help you organize this documentation.

Q3: What is the minimum residency required for Indian nationals?

A3: Most lenders look for 12 months, but for certain high-demand roles, we can often secure approvals after 6 months of residency.

Q4: Is the Help-to-Buy (HTB) scheme available to me?

A4: Yes. If you have been a tax resident in Ireland for 4 years and are a first-time buyer, you can claim up to €30,000 back, regardless of your nationality.