The Go-To Broker for Professionals

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.

A professional mortgage is a mortgage product offered to individuals with qualifications from a recognised UK professional body — doctors registered with the GMC, dentists with the GDC, solicitors with the SRA, accountants with ICAEW or ACCA, architects with the ARB, and others. Lenders class these borrowers as lower risk because of their structured career paths and strong long-term earnings. The main benefit is a higher income multiple — typically 5.5 to 6.5 times salary, compared to the standard 4 to 4.5 times available to most borrowers.

For most qualifying professionals, income multiples of 5.5 to 6.5 times annual salary are available from specialist lenders. Standard oriducts would typically offer 4 to 4.5 times. On a salary of £80,000, this difference is between £320,000 to £360,000 (standard) and £440,000 to £520,000 (professional product) — a gap of up to £160,000 for the same salary. The exact multiple available depends on your profession, income structure, credit history, deposit and the specific lender we match you with.

Yes. Some lenders extend professional mortgage terms to newly qualified applicants with a signed employment offer or training contract, even before your first payslip. This is common for foundation doctors, newly qualified solicitors starting their training contract and NQ accountants. We will discuss whether this route is available for your specific situation, and which lenders are comfortable with it, during our first call.

Both. Employed professionals (salaried NHS doctors, employed solicitors, finance professionals) are straightforward to place. Self-employed professionals — GP partners, dental practice owners, self-employed barristers in chambers, or architects in their own practice — require a broker experienced in presenting partnership income, profit share and drawings to lenders who understand those structures. Onozzi works across both employment types.

Student debt is considered by lenders as a monthly commitment, which reduces the maximum amount you can borrow when it is actively repaid. However, for professionals, lenders also consider your career trajectory and future income potential. A junior doctor with significant student loan repayments is treated very differently by specialist professional mortgage lenders than by a standard high street bank. We identify lenders who balance student debt commitments against your professional earnings trajectory appropriately.