At Onozzi, we arrange million pound mortgages through private banks and specialist lenders that the majority of brokers cannot access. We have direct introductory relationships with institutions offering higher income multiples, interest-only options at elevated loan-to-value, and bespoke underwriting that considers your total financial position — not just your salary.
Navigating the specialist mortgage market can be challenging, even for experienced clients. That’s why it’s essential to work with an expert mortgage broker. With over 15 years’ experience of arranging large mortgages and high-value property finance for clients in the UK and abroad, we have the expertise and direct connections with decision makers at private banks, mainstream banks, and specialist lenders to secure the best possible terms for our clients.
As a trusted partner throughout, we offer support and advice, helping our clients obtain the most advantageous mortgage rates.
Our aim is to simplify the process of securing a large mortgage and provide real value to our clients’ experience. Check out our case studies for an overview of the types of deals we can arrange. If you’re looking for help sourcing property finance, contact us to speak with an expert.
Customised mortgage solutions tailored to your unique financial goals.
Gain access exclusive options and mortgage rates
Our team offers informed advice to help you make the best decision.
We secured a deal at a margin of 1.2%, which was subsequently fixed for 5 years at less than 5%.
By securing a deal with multiple lenders the client was able secure 70% borrowing on a lower all-in fixed rate
We secured a deal for an Amercian citizen on a Tier II Visa with a high street bank.
All in, the new arrangement will save the client over £500k over five years
We secured a 55% GDV loan of £5.5m at an annual rate of 3% over BoE base with a 1.5% arrangement fee
We secured £12.5m of borrowing on 25 of the 30 properties with three high-street lenders, leaving 5 high-value properties unencumbered for future sales or development.
Our client was an UHNW individual resident in the EU looking to buy a mixed-use property in London for £4.2m.
Offers totalling £6.4m were secured to purchase 4 commercial freeholds with a combined value of £12.8m.
Our client has planning permission to knock down his former residence and build 4 detached properties with a GDV of £5m.
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.
We are always interested in top talent and we are currently looking to hire a new experienced broker.
If you would like to join our team please send your CV to hello@onozzi.com
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.
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.
