The Go-To Broker for Dentists

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.

At Onozzi, we understand that securing the best financing available for our clients is only part of the story. We work with our clients to build bespoke protection packages that are structured around their income, lifestyle, and aspirations for the future. With our discreet and personalised approach, our clients can rest assured that they have a tailored package, unique to them, that will protect their long-term financial interests. We are adept at building plans that cover a broad range of protection, including Income Protection, Business Protection, Family Income Benefit  &  Key Person Protection.

Yes. NHS associate income is eligible for mortgage assessment, but it needs to be presented correctly to the right lender. Your NHS income is typically evidenced by your associate contract, your schedule of UDA payments and your personal tax returns. Some lenders assess associate income as employed (if you are on a performer-number contract), others as self-employed. The assessment used affects both the income multiple available to you and the documents required. We identify the most appropriate approach for your specific contract before any application is submitted.

Lenders who understand dental practice can combine your NHS UDA income and private treatment income for affordability purposes. NHS income is typically evidenced by payslips or your NHS payment schedule. Private income requires your last one or two years of accountant-certified accounts or SA302 tax returns. The lender will average your total dental income over the assessment period or use the most recent year if your income has grown. We identify which approach produces the best outcome for your specific income split.

Yes. Dental practice purchase finance is a specialist area that combines elements of commercial lending (based on the practice’s goodwill and profitability) with personal mortgage lending. We arrange both commercial finance for the practice element and residential mortgages for associated property purchases, and can often structure these in a coordinated way. We work with commercial lenders experienced in GDC-regulated dental businesses and familiar with BDA valuation methodologies.

Yes. Dentists in the first year of practice following VT are not automatically excluded from mortgage lending. We work with specialist lenders who will consider newly qualified associates with a signed dental associate agreement and evidence of your GDC registration. If your first few months of earnings are documented, we can often use this alongside your contract to demonstrate sustainable income. We will assess your specific situation and tell you honestly whether now is the right time to apply or whether waiting a further six to twelve months would significantly improve your options.

Yes, and often in a positive way — if your practice is profitable. As a practice owner, your income is typically assessed as self-employed income via your share of the net profit from the practice accounts. Specialist lenders who understand dental businesses will take a holistic view of practice performance, your personal drawings, and any salary you take. If your practice is growing, the right lender will factor that trajectory into the assessment rather than simply averaging a lower figure from an earlier year.