Are you a company director looking for a mortgage? As you may have already discovered, securing a large enough loan can be harder for business owners.

 

Lenders typically calculate the maximum loan they will offer you based on a historical average of the dividends you have withdrawn from your company.

You may have decided not to withdraw all your profit as dividends, because why take dividends you don’t need if that will push you into a higher rate tax band?

The net result is that you are offered a maximum loan that can be half the size of that offered to an employee earning the same income…

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.

 

Our success rate is high because we know where to apply.

As a trusted partner throughout, we offer support and advice, helping you obtain the best available mortgage.

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 a broker.

What our clients think

Why Onozzi

Larger Mortgages

Borrow more with a mortgage based on profits, not just dividends.

Fast Decisions

Typically, we can secure an ‘agreement in principle’ the same day.

Lower Rates

We have access to exclusive mortgage rates only available through brokers.

Why Choose Us

Profits not dividends

We work with lenders who will consider your share of the profit, not just the dividends you’ve drawn.

interest only

We can secure interest only deals to 85% or higher with private banks.

profit before tax

Some lenders will now consider lending on a client’s pre tax rather than post tax figures.

Latest Year's Profits

Secure a loan based on your latest year’s figures rather than an average

1 years trading or less

We have secured deals for clients’ with as little as 9 months trading history.

High Loan to value options

Up to 95% deals available through our whole of the market access

Profits not dividends

We work with lenders who will consider your share of the profit, not just the dividends you’ve drawn.

interest only

We can secure interest only deals to 85% or higher with private banks.

profit before tax

Some lenders will now consider lending on a client’s pre tax rather than post tax figures.

Latest Year's Profits

Secure a loan based on your latest year’s figures rather than an average

1 years trading or less

We have secured deals for clients’ with as little as 9 months trading history.

High Loan to value options

Up to 95% deals available through our whole of the market access

Our Environmental 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 FOR COMPANY DIRECTOR WITH 9 MONTHS ACCOUNTS

Our client was employed as a graphic designer for several years. However, he had recently transitioned to self-employed and setup his own business.

Read more
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
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

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

Aoife has seamlessly integrated into the Onozzi team. After a successful internship, she is now assisting us part time while completing the latter part of her degree in Accounting and Finance. Demonstrating a swift grasp of new concepts, Aoife is an asset to our operations. Her strong work ethic and deepening understanding of finance complement our team, ensuring our clients experience consistent, high-quality service.

Aoife Dow—
Administrative Assistant

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

Sign up to receive our monthly newsletter
Mortgage Insights

X