The Go-To Broker for Million Pound Mortgages

Our specialty lies in providing tailor-made mortgage solutions for loans over £1 million. Our success is underpinned by our established relationships with private banks, mainstream banks, and specialist lenders. We pride ourselves on our personalised approach, understanding our clients’ unique profiles to match them with the right financial institution.  Our longstanding industry connections often enable us to unlock exclusive deals that transcend typical lending criteria. Clients looking for an expert mortgage broker value our proficiency and dedication to securing the best loan terms.

We thrive on sourcing unconventional mortgages, be it for non-standard property types, self-employment income, or foreign income sources. Mortgages are multifaceted, demanding a deep understanding of the market and strong banking relationships to secure the best deals. As a specialist in complex mortgages, we offer the expert knowledge and professional relationships essential to navigate these challenging scenarios. If there is a solution available for your complex mortgage needs, we will find it.

Our experience spans across a variety of asset classes and client types. From individuals looking to buy their trading premises to large organisations refinancing their commercial real estate portfolios.  We often engage multiple lenders simultaneously, presenting each deal with complete transparency.  As lenders are aware that they are in a competitive tendering process, we encourage the provision of the best possible rates. Our partners experience the difference that our client-centred approach makes in their commercial and real estate financing.

Navigating the complexities of buy to let mortgages can be demanding, particularly when faced with portfolio landlord criteria or seeking financing for an HMO or multi-unit block. As regulations for BTL Mortgages become increasingly complex, it’s more important than ever to have an expert broker to guide you through the diverse criteria on stress tests, property types, and portfolio restrictions. We demystify the complexities of BTL mortgages. We specialise in securing portfolio loans from multiple lenders, resulting in lower rates and higher leveraging.

Business owners encounter distinct challenges when pursuing mortgages, including the need to substantiate income and demonstrate stability. Our tailored mortgage solutions reflect the unique income structures of business owners. Traditional lenders tend to calculate their loan offers based on historical dividends, potentially underestimating the business owner’s real income. By partnering with us, you can take advantage of our expertise in sourcing mortgages designed for business owners. We carefully assess your income, liaising with lenders who consider your profit share, the latest year’s profit, or pre-tax profits to maximise your borrowing potential.

Sourcing the best bridging or development terms requires industry knowledge and expertise. Our team excels in sourcing deals for both non-experienced developers and seasoned professionals. We have access to low-rate bridging loans through strategic partnerships with building societies and private banks. Moreover, we specialise in arranging high-value self-build mortgages, ensuring that your financing needs are met throughout the entire development process. With our guidance, you can embark on your projects with confidence, secure in the knowledge that we will procure the most favourable rates and terms available.

The key difference is who provides it and how it is arranged. Private banks and specialist lenders offer the most competitive terms at this level, but they require a professional broker introduction. The process starts with an initial conversation with Onozzi to assess your financial profile. We then identify the most suitable lenders, prepare your application, and present it to selected institutions. We manage all communications and negotiations through to offer and completion.

Standard high street lenders typically require around £180,000–£200,000 annual income for a £1 million mortgage at their maximum income multiple. Private banks and specialist lenders approach this very differently — they consider your total financial picture including assets, bonuses, investment income and future earnings, and often lend at 6–8× income multiples or more. Through Onozzi’s lender access, clients with complex or non-standard income who cannot access a £1m mortgage through the high street have been approved through private banking channels. We tailor the solution to your specific profile.

Complex income is our speciality. Private banks and specialist lenders assess these income types in full. We work with your accountant to document and present your income in the strongest possible way, then match you with the lender whose criteria align with your specific income profile and goals. We have arranged mortgages where the entirety of a client’s income was non-salary.

Yes. We arrange interest-only mortgages to 85% LTV through private banks, with terms up to 35 years. An interest-only structure means you pay the interest each month — the capital is repaid through an agreed exit strategy such as a property sale, investment portfolio drawdown, or business exit. This is a popular structure for high-value borrowers who prefer to preserve capital for investment. Interest-only at these loan-to-value ratios is not available through standard high street lending.

Yes. We arrange interest-only mortgages to 85% LTV through private banks, with terms up to 35 years. An interest-only structure means you pay the interest each month — the capital is repaid through an agreed exit strategy such as a property sale, investment portfolio drawdown, or business exit. This is a popular structure for high-value borrowers who prefer to preserve capital for investment.

Beyond the loan size, the key differences are: the lenders involved (private banks and specialist institutions rather than just high street banks); the underwriting approach (individual and holistic rather than automated); the income types accepted (bonuses, assets, complex sources). Broker relationships with lenders also help to secure larger mortgages, as we can position your case in the most positive light, and ensure that the big picture is considered.