Mortgages for Business Owners

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. Being self-employed does not prevent you from getting a mortgage — it changes how your income is assessed. Standard lenders apply stricter criteria to self-employed applicants, but specialist lenders and brokers with self-employed expertise can access a far wider range of products and assessment methods. The key is working with a broker who deals with self-employed cases every day and knows which lenders to approach for your specific circumstances.

Most lenders look at your SA302 tax calculations and tax year overviews from HMRC to verify your income. They will typically want two years of figures and take an average. However, specialist lenders take a more flexible approach — some will consider only your most recent year, others will use your net profit before tax, and some will take into account retained profit within a limited company. The lender you use makes a significant difference to the mortgage you can access.

No, not necessarily. Drawing additional salary or dividends specifically to boost a mortgage application often results in a larger tax bill in the same year you are buying. At Onozzi, we use lenders who assess your net profit or company income directly, so you can access the loan your business genuinely supports without altering your income structure.

This depends on your income assessment. At standard lenders who use your declared income, self-employed applicants often find they are offered significantly less than a salaried employee with the same effective earnings. With the right specialist lender — using net profit, pre-tax figures or the most recent year’s performance — the same applicant can often borrow 50–100% more. We will give you an honest indication of your realistic borrowing range at our first conversation.

Most brokers require two or three years of accounts. We work with lenders who accept 12 months of trading history, and in some cases we have secured mortgages for clients with less. If you are newly self-employed, we can still assess your options and advise on the best timing for your application.

Typically: one to three years of certified company accounts; SA302 tax calculations and HMRC tax year overviews for the same period; personal and business bank statements for the past 3–6 months; and your company’s latest filed accounts if you are a director. We will tell you exactly what is needed based on the lenders we are approaching for your case — and we handle the preparation and submission of all documentation on your behalf.

Almost certainly yes. High street banks apply standard automated criteria to self-employed applications and frequently decline cases that specialist lenders would approve without hesitation. The fact that you were declined by your own bank tells us very little about whether you can get a mortgage — it mainly tells us that your case needs a specialist broker who knows which lenders deal well with self-employed income profiles.