The Go-To Broker for Freelancers

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. Specialist lenders arrange mortgages for freelancers based on contract income or annualised day rate rather than payslips. At Onozzi, we work with lenders who understand the flexible workforce — you do not need to explain your employment structure to a generalist broker who will then try to fit you into a standard application template.

“Freelancer” and “self-employed” are often used interchangeably but lenders treat them differently. A freelancer typically has a client contract and earns a day or project rate. Standard self-employed assessment uses tax returns and accounts. We use lenders who assess your freelancer income on your contract day rate — which often produces a significantly higher mortgage offer than an accounts-based calculation.

We use specialist lenders who look past the umbrella company structure and assess your contract day rate, which means you may be able to borrow significantly more than a standard lender would offer based on your umbrella payslip. The difference can be substantial if your day rate is considerably higher than your processed umbrella salary.

Not necessarily. Some specialist lenders in our network have no minimum freelancing history requirement at all. Others require three to six months. We will match you with the lenders appropriate for your specific history — and tell you which lenders are available before you apply.

Yes. Specialist lenders can aggregate income from multiple freelance clients or contracts, particularly where these are regular and documented. We know which lenders accept combined income from several sources and how to present your application most effectively.

Career breaks and periods between clients are common in the flexible workforce. We work with lenders who understand this and assess your application based on your current contract, your overall earning history and your future earning capacity — not on whether you have had an unbroken run of employment.