Are you prepared for life’s unexpected events that could disrupt your financial stability?

 

At Onozzi, we recognise that every client’s financial needs are unique. That’s why we take the time to provide a personalised service tailored to your individual circumstances. Our solutions are designed not only to protect your mortgage but also to safeguard your business and long-term financial resilience, ensuring you’re prepared for any eventuality.

Navigating the complexities of personal and business protection can be challenging. With years of experience and direct access to leading insurers, we simplify the process of securing tailored policies. Whether you need serious illness cover, income protection, life assurance, or business protection, our expertise ensures you receive solutions that align with your financial and professional goals.

 

We liaise directly with insurance providers to source the best possible solution.

 

By working with leading insurers, we ensure you’re equipped with policies that secure your future.

As your trusted partner, we offer continuous support and advice, helping you protect your family and business interests with confidence. Explore our success stories to understand how we’ve delivered tailored protection solutions for our clients. If you’re ready to discuss your options, contact us to speak with an expert today.

Why Onozzi?

Expert Advice

Benefit from personalised recommendations and industry-leading expertise to secure the protection you truly need.

Peace of Mind

Protect your lifestyle, family, and financial resilience with tailored solutions that keep you prepared for life’s uncertainties.

Seamless Support

From paperwork to negotiations, we handle every step of the process to make safeguarding your future as stress-free as possible.

Why Choose Us?

Tailored Solutions

We understand that no two clients are alike. Our bespoke protection plans are customised to suit your unique financial situation and goals, ensuring your needs are fully met.

Comprehensive Coverage

From mortgage protection to income security and business resilience, we offer a wide range of solutions designed to safeguard every aspect of your financial life.

Proven Expertise

With years of experience in personal and business protection, our team leverages deep industry knowledge to secure the best outcomes for our clients.

Unmatched Market Access

Our strong relationships with leading insurers mean we can access exclusive products and negotiate the most competitive terms on your behalf.

Client-Centric Approach

Your priorities are at the heart of everything we do. We take the time to understand your needs and provide clear, jargon-free advice to ensure you feel confident in your choices.

Stress-Free Process

 

From handling paperwork to managing negotiations, we make the process smooth and hassle-free, so you can focus on what truly matters.

Tailored Solutions

We understand that no two clients are alike. Our bespoke protection plans are customised to suit your unique financial situation and goals, ensuring your needs are fully met.

Comprehensive Coverage

From mortgage protection to income security and business resilience, we offer a wide range of solutions designed to safeguard every aspect of your financial life.

Proven Expertise

With years of experience in personal and business protection, our team leverages deep industry knowledge to secure the best outcomes for our clients.

Unmatched Market Access

Our strong relationships with leading insurers mean we can access exclusive products and negotiate the most competitive terms on your behalf.

Client-Centric Approach

Your priorities are at the heart of everything we do. We take the time to understand your needs and provide clear, jargon-free advice to ensure you feel confident in your choices.

Stress-Free Process

 

From handling paperwork to managing negotiations, we make the process smooth and hassle-free, so you can focus on what truly matters.

Our Impact

Core Areas

 

Income Protection

Your ability to earn is your greatest financial asset. If illness or injury prevents you from working, could your family maintain their current lifestyle? Income protection ensures you continue to receive a steady income, safeguarding against financial strain during uncertain times. At Onozzi, we specialise in tailoring policies that match your income structure, providing reliable support when you need it most.

 

Critical Illness Cover

A serious illness can disrupt your life in unexpected ways. From medical expenses to mortgage payments, the financial burden can quickly escalate. Critical illness cover provides a lump sum to ease the strain, allowing you to focus on recovery without financial detriment. With access to leading insurers, Onozzi creates policies tailored to your specific risks, ensuring peace of mind.

 

Key Person Insurance

The success of a business often hinges on its key individuals. The loss of a key employee or director can result in operational and financial disruption. Key person insurance provides a financial buffer to cover losses, recruit replacements, or maintain stability during challenging transitions. Our expertise ensures we secure tailored policies to protect your business’s resilience and continuity.

 

Relevant Life Insurance

For business owners and high earners, providing tailored life insurance for employees or directors can offer significant tax advantages while protecting loved ones. Relevant life insurance provides a cost-effective way to secure financial support for families. At Onozzi, we work with clients to design tax-efficient solutions that align with both personal and corporate financial goals.

 

Family Income Benefit

Would your family’s lifestyle be secure without your income? Family income benefit ensures regular payments to cover day-to-day expenses in the event of your passing, offering your loved ones long-term financial stability. Unlike lump-sum payments, this policy provides predictable income, and our expertise ensures you find the right plan to protect your family’s future.

 

Shareholder Protection Insurance

In the event of a shareholder’s death or critical illness, the remaining shareholders may struggle to maintain control of the business. Shareholder protection ensures the necessary funds are available to purchase shares, safeguarding the company’s future and ensuring a smooth transition. At Onozzi, we craft tailored policies to protect your business from uncertainty and disruption.

 

 

 

 

Case
Studies

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

£8m Residential Mortgage for Non-Dom Client

We secured a deal at a margin of 1.2%, which was subsequently fixed for 5 years at less than 5%.

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
£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
£3.9m Loan on Complex BTL Properties

All in, the new arrangement will save the client over £500k over five years

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
£15m HMO Portfolio Loan

We secured £12.5m of borrowing on 25 of the 30 properties with three high-street lenders, leaving 5 high-value properties unencumbered for future sales or development.

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
£6.4M loan through a SIPP

Offers totalling £6.4m were secured to purchase 4 commercial freeholds with a combined value of £12.8m.

Read more
£2m Development Loan to build four houses

Our client has planning permission to knock down his former residence and build 4 detached properties with a GDV of £5m.

Read more
RESIDENTIAL MORTGAGE FOR CLIENT ON MULTIPLE ZERO-HOUR CONTRACTS

Our client was a first-time buyer looking to secure a mortgage to purchase his first residential property.

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

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

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