Onozzi
Glasgow
Mortgage advice covering self-employed, commercial, buy-to-let and 1 more. Onozzi has not recorded a fee structure.
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About Onozzi
Onozzi is a UK mortgage broker based in Glasgow. Its website describes mortgage advice for residential mortgages, buy-to-let, self-employed borrowers, commercial finance. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Onozzi records 4 areas of advice from its base in Glasgow: self-employed, commercial, buy-to-let and residential.
Running commercial alongside buy-to-let usually points at landlord and business-owner clients — semi-commercial units, HMOs and portfolios rather than single flats.
Self-Employed
Self-employed cases turn on how a lender reads your income. Some average two or three years of accounts, some use your latest year, and sole traders, limited-company directors and day-rate contractors are all assessed differently. A firm that does this regularly knows which lenders sit where.
Read the self-employed guideCommercial
Commercial mortgages are underwritten case by case rather than from a rate table. Lenders look at the trading business behind the purchase, the property type and your experience, and terms are negotiated rather than advertised.
Buy-to-Let
Buy-to-let borrowing is capped by a rental stress test rather than by your salary, and the sums differ sharply between personal ownership and a limited company. Portfolio landlords with four or more mortgaged properties face extra underwriting. Alongside commercial lending, that points at semi-commercial units and HMOs rather than single flats.
Read the buy-to-let guideResidential
Standard residential advice covers buying, moving and remortgaging on your own home — the bulk of UK mortgage lending, and the area where switching deal at the right moment usually saves the most. Paired with self-employed lending, it should cover employed and variable-income applicants equally.
Read the residential guideFees: what this means for you
Fees not specified
We hold no fee structure for this listing, so we cannot say either way — the tailored questions below cover what to ask. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask Onozzi
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2Do you charge a broker fee? If so, how much, and when is it due?
- 3How will lenders read my income — salary plus dividends, net profit, or day rate — and do you work with lenders that use my latest year rather than an average?
- 4What deposit, trading history and security will a commercial lender want from me, and how long does a decision usually take?
- 5How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 6Based on my income and commitments, what is the realistic maximum here, and when should I be starting the next remortgage?
- 7Do you see clients at your Glasgow office, or is this handled by phone and video?
Getting in touch with Onozzi
Onozzi lists a phone number, an email address and its own website, so use whichever suits.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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Frequently asked questions
What does Onozzi charge for mortgage advice?
Not recorded on this listing — ask Onozzi directly, as it must tell you before you commit. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
What types of mortgage does Onozzi handle?
Onozzi records self-employed, commercial, buy-to-let and residential, working from Glasgow. Ask anyway if your case sits outside that list.
Does Onozzi work with self-employed borrowers?
Yes — self-employed lending is one of the areas Onozzi lists. Have your last two to three years of accounts or SA302s and corresponding tax year overviews ready. The figure you can borrow depends heavily on which lender is used, because they treat retained profit, dividends and contract income very differently.
Does Onozzi only cover Glasgow?
Onozzi is listed in Glasgow, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Glasgow on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.