The Go-To Broker for Company Director 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.

Yes. As a company director with a 20%+ shareholding, lenders classify you as self-employed — but that does not prevent you from getting a mortgage. The key is working with a specialist broker who knows which lenders assess directors correctly, using the full picture of your company income rather than just the dividends you have drawn. At Onozzi, this is the core of what we do for director clients.

Most high street lenders base their assessment on your salary and dividends taken. However, a growing number of specialist lenders will also consider your share of the company’s net profit — meaning you can potentially borrow a much larger amount without increasing your dividends and facing a higher tax bill. We match you with the right lender for your specific income structure.

Yes, with the right lender. Retained profit — profit that remains in the business rather than being drawn as salary or dividends — is not considered by most high street lenders. However, we work with specialist lenders who are prepared to include your share of retained profit in their affordability calculation. This can significantly increase your maximum loan, particularly if you have been tax-efficient and kept dividends low.

Yes. We have secured mortgages for directors with as little as 9 months of trading history. We work with specialist lenders who accept recent business performance and future income projections as part of their assessment, alongside your accounts.

In most cases, yes. Many lenders average your income over two or three years, which can work against you if your most recent year was significantly stronger. We have access to lenders who will use your latest year’s figures alone — which means a strong recent year can substantially increase your available loan compared to what a standard broker would offer.

Yes, and this is precisely the situation we specialise in. Drawing extra dividends to boost a mortgage application is rarely sensible tax planning. Instead, we use lenders who assess your net profit — the income already generated by your business — to calculate affordability. You keep your tax position intact and still borrow the amount your business income genuinely supports.

We typically secure an agreement in principle on the same day for straightforward director cases. Full mortgage offers generally take 2–4 weeks from application submission. More complex cases — involving profit sharing, multiple income streams or international elements — may take 4–6 weeks. Completion then follows standard conveyancing timescales.