Are you a business owner looking to secure a mortgage based on your profits?

 

 

Business owners and company directors often have complex income structures compared to salaried employees. This can make it hard to get a mortgage because lenders usually base your loan amount on the average dividends you’ve taken out in the past.

You might be thinking of taking an extra dividend so you can qualify for a larger mortgage. Your accountant might even have suggested this. But, if you do that, it could result in you facing a much bigger tax bill this year – which is the last thing you need when you’re buying a house.

At Onozzi, we understand that every client’s financial situation is different, and that’s why we’ve come up with a solution…

 

We can secure loans based on your profits, not just dividends. Our lenders can consider one year of trading, pre-tax earnings, or the latest year’s profit instead of relying on averages.

 

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. Please 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.

Why Onozzi?

Bespoke Solutions

Customised mortgage solutions tailored to your unique financial goals.

Exclusive Products

Gain access exclusive options and mortgage rates

Expert Knowledge

Our team offers informed advice to help you make the best decision.

Core Values

Transparency

Our brokerage is built on a foundation of transparency. We believe that being open, clear and honest is the cornerstone to forging longstanding relationships. Our commitment to transparency extends to every interaction – be it with our clients, whom we keep informed about the lenders we are approaching, or with banks, to whom we fully disclose our involvement in a competitive tender process. This principle also reflects in our straightforward low fee structure. By fostering an environment of openness, we provide our clients the assurance that their interests always come first.

Relationships

Our relationships with industry professionals are invaluable in securing the best mortgage deals for our clients. These relationships have been cultivated over many years to provide us with a competitive edge. Our network enables us to tap into a wide range of mortgage products, negotiate the best rates and terms, and access valuable market insights. As a result, our clients enjoy superior service, better opportunities, and more advantageous mortgage terms.

Experience

Our firm takes pride in its team of highly experienced professionals who bring their collective wisdom to every client interaction. We have successfully navigated the mortgage industry for over 15 years, weathering financial downturns and interest rate shocks, always emerging stronger. This journey has equipped us with the acumen to stay composed and focused, offering our clients peace of mind amidst any market turbulence. Our collaborative approach ensures that our diverse pool of expertise is harnessed to find the optimum mortgage solutions for our clients.

Technology

Embracing cutting-edge technology is a fundamental part of our work. With access to the latest industry sourcing tools, we ensure our clients are offered the best mortgage solutions available. We are constantly updated about new lender policies through our access to up-to-the-minute criteria tools. Our clients benefit from secure document portals and we utilise advanced digital ID and anti-money laundering technology. This not only ensures the highest level of security but also keeps our clients updated at every step, adding to the ease and efficiency of the mortgage process.

Efficiency

We understand that securing a mortgage can be overwhelming. That’s why we constantly refine our systems and processes to make the mortgage application process as simple and time efficient as possible. Paperwork can be daunting, so we aim to take the brunt of it, reducing the time our clients need to spend on these tasks. Our clients can have peace of mind knowing that their mortgage applications are being managed with utmost professionalism and attention to detail.

Responsibility

We see our responsibility in more than just providing mortgage services; it’s about making a positive impact on our world. We promote an inclusive, safe, and positive environment for our staff.  We are also conscious about reducing our environmental footprint in every way we can. Our partnership with Carma Earth helps us contribute to reducing CO2 emissions with each mortgage deal we broker.

Transparency

Our brokerage is built on a foundation of transparency. We believe that being open, clear and honest is the cornerstone to forging longstanding relationships. Our commitment to transparency extends to every interaction – be it with our clients, whom we keep informed about the lenders we are approaching, or with banks, to whom we fully disclose our involvement in a competitive tender process. This principle also reflects in our straightforward low fee structure. By fostering an environment of openness, we provide our clients the assurance that their interests always come first.

Relationships

Our relationships with industry professionals are invaluable in securing the best mortgage deals for our clients. These relationships have been cultivated over many years to provide us with a competitive edge. Our network enables us to tap into a wide range of mortgage products, negotiate the best rates and terms, and access valuable market insights. As a result, our clients enjoy superior service, better opportunities, and more advantageous mortgage terms.

Experience

Our firm takes pride in its team of highly experienced professionals who bring their collective wisdom to every client interaction. We have successfully navigated the mortgage industry for over 15 years, weathering financial downturns and interest rate shocks, always emerging stronger. This journey has equipped us with the acumen to stay composed and focused, offering our clients peace of mind amidst any market turbulence. Our collaborative approach ensures that our diverse pool of expertise is harnessed to find the optimum mortgage solutions for our clients.

Technology

Embracing cutting-edge technology is a fundamental part of our work. With access to the latest industry sourcing tools, we ensure our clients are offered the best mortgage solutions available. We are constantly updated about new lender policies through our access to up-to-the-minute criteria tools. Our clients benefit from secure document portals and we utilise advanced digital ID and anti-money laundering technology. This not only ensures the highest level of security but also keeps our clients updated at every step, adding to the ease and efficiency of the mortgage process.

Efficiency

We understand that securing a mortgage can be overwhelming. That’s why we constantly refine our systems and processes to make the mortgage application process as simple and time efficient as possible. Paperwork can be daunting, so we aim to take the brunt of it, reducing the time our clients need to spend on these tasks. Our clients can have peace of mind knowing that their mortgage applications are being managed with utmost professionalism and attention to detail.

Responsibility

We see our responsibility in more than just providing mortgage services; it’s about making a positive impact on our world. We promote an inclusive, safe, and positive environment for our staff.  We are also conscious about reducing our environmental footprint in every way we can. Our partnership with Carma Earth helps us contribute to reducing CO2 emissions with each mortgage deal we broker.

Our Impact

Core Areas

Large 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.

Complex Mortgages

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.

Commercial and Real Estate Finance

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.

BTL Mortgages

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.

Mortgages for Business Owners

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.

Bridging and Development Finance

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.

Case
Studies

Our case studies highight real-world examples of how we help our clients achieve their goals.

MORTGAGE USING PROFIT BEFORE TAX

Our client was in the middle of a divorce and wished to purchase her own residential property

Read more
mortgage with one year’s accounts

Our clients recently relocated to the Isle of Mull in Scotland, where they opened their own restaurant.

Read more
£2.85M MORTGAGE FACILITY TO PURCHASE £2.9M RESIDENTIAL PROPERTY

Our client was looking to purchase a new property for £2.9m without selling their property.

Read more
£11m BTL Portfolio Loan

By securing a deal with multiple lenders the client was able secure 70% borrowing on a lower all-in fixed rate

Read more
RESIDENTIAL MORTGAGE FOR MEDIA CONTRACTORS

Our clients were contractors in the TV industry who had been declined for a mortgage by their existing bank. They approached us to help.

Read more
£3.7m Mortgage for US Client

We secured a deal for an Amercian citizen on a Tier II Visa with a high street bank.

Read more
£5.5m Self-Build Mortgage

We secured a 55% GDV loan of £5.5m at an annual rate of 3% over BoE base with a 1.5% arrangement fee

Read more
£2.64M Loan through an offshore company

Our client was an UHNW individual resident in the EU looking to buy a mixed-use property in London for £4.2m.

Read more
INTEREST ONLY MORTGAGE TO AGE 90

Our client's interest-only mortgage term was coming to an end with their existing high street lender.

Read more

What our clients think

Our Team

We believe their unique blend of skills and expertise provide you with the best service possible.

Our principal broker with over 15 years’ experience in arranging large and complex mortgages. Brian is particularly adept at re-structuring clients’ property portfolios to find the most cost-efficient combination of loans. Brian’s primary focus is securing the best possible finance terms for HNW individuals and large property portfolios through his extensive network of contacts in both the Private Banking and Corporate Real Estate Sectors.

Brian O’Neill—
Principal Broker

Working with Onozzi for over 5 years, Craig has accrued a wealth of knowledge and specialises in sourcing complex Buy-to-Let and self-employed mortgages. His deep understanding of lenders’ criteria, combined with extensive contacts within the industry, allows him to secure deals with both mainstream and niche lenders. Craig particularly enjoys assisting clients in purchasing their dream homes by finding tailored solutions from the whole of the UK market.

Craig Scott—
Senior Broker

Sam's career showcases his expertise in streamlining complex processes across various industries, from large-scale international events to staff recruitment. As our operations manager, he's transformed and optimised our systems to improve our efficiency and enhance our client journey. Sam's values-driven approach and professional qualifications in leadership and management equip him with a unique perspective to ensure the operational effectiveness of Onozzi.

Sam Hey—
Operations Manager

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

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