4.9 out of 5 based on 75 reviews

Empower Your Financial Future Expert Switch Mortgage Broker in Dublin

Switch Your Mortgage Seamlessly with Pangea

As featured in HeyDublin

Mortgage Advisor

Killian Costelloe
Killian Costelloe
2023-08-21
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
2023-08-18
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
2023-08-14
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
2023-07-19
Very helpful information I got from here , sound advice in a professional manner
Kevin Burrowes
Kevin Burrowes
2023-07-18
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
2023-05-22
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
2023-05-15
Quick response, definitely will ring them back

Steps to Switch Your Mortgage with Pangea

Saving you both time and money

Are you contemplating the switch of your mortgage to secure a better rate or more favourable terms?

Pangea Mortgages, a renowned financial advisor in Dublin, specialises in guiding clients through the intricacies of switching mortgage providers. With a deep understanding of the financial landscape across Ireland, we offer bespoke mortgage solutions tailored to your unique financial situation.

Our commitment is to streamline your mortgage process, ensuring you make informed decisions without the typical stress and hassle.

Switching your mortgage could be the financial revamp you need, unlocking substantial savings and offering peace of mind

Calculate Mortgage Repayments

Why Switch Your Mortgage

 Secure lower interest rates to reduce monthly payments

Adjust terms to better suit current financial needs

Stabilise payments by locking in a fixed rate

Access cash for large expenses by releasing home equity

Skip higher payments by avoiding Standard Variable Rates

Simplify finances by consolidating debts into your mortgage

Benefit from better mortgage features and flexibility

Update your mortgage to reflect life’s changes

Reasons to Choose Pangea for Your Switch

Expert Guidance: Leverage our unmatched financial expertise for a seamless switch.
Customer-Centric Service: Experience personalised support every step of the way.
Fast and Efficient Approvals: Benefit from our streamlined, digital approval process.
Access to Top Lenders: We connect you with a wide array of lenders, ensuring the best terms for your situation.
Significant Savings: Our clients often achieve considerable annual savings compared to their previous arrangements.

# STEPS & PROCESS

Go Beyond With Pangea

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.

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

1

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.

2

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

3

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.

4

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.
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.
CONTACT US

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.
EMAIL US

FAQ's About First-Time Buyer Mortgage Broker

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