Bridging loans and development finance funding portfolio growth
Introduction
Welcome to Roma, the lender that loves to lend. We aim to provide the ‘Borrower First’ experience to property investors, developers and landlords, looking to create prosperity from property. We do this by offering lending solutions tailored to each individual and lend across residential, semi-commercial and commercial properties, as well as land.
We have a brand new product set – FLOW | GROW | PRO
1. FLOW
FLOW encompasses our bridging range, including standard bridging, auction finance, refurbishments, commercial bridging and below market value. Over 80% of RomaFLOW completes in 28 days with emphasis placed on speed and a streamlined service. We have LTVs up to 75% and competitive rates.
2. GROW
GROW is the development finance range, with everything from heavy refurbishment, ground up sites, self builds and developer exit solutions. We can also accept part-built sites that need refinance. 100% funding is an option with additional security.
3. PRO
PRO was introduced in January 2025 – Roma’s specialist buy-to-let range. At up to 75% LTV, with competitive rates, the solutions have an extensive range covering standard buy-to-let, HMOs, serviced accommodation, holiday lets and MUFBs.
All products can be used as stand-alone solutions or as end-to-end lending, allowing investors to take a project from initial purchase, to refurbishment or development to the exit. Once the exit is achieved, the equity can be taken out of the property to allow the next project to begin.
The Roma model is based around our customers success!
RomaPRO also includes the brand-new Revolving Credit Facility (RCF). Acting like an overdraft facility, an RCF is secured on an investor’s existing portfolio, allowing them to hunt for new properties and drawdown the funds in as little as 48 hours.
Celebrating over 15 years in lending, Roma Finance is a member of the BDLA, FIBA, and the NACFB and over the last few years has grown considerably with over 60 staff and 10 active funding lines, providing enhanced flexibility and security within our borrowers’ lending.
We are proud of our team and our expertise, experience, and processes which enable us to complete deals rapidly; often within seven days. With a track record of prompt payouts many borrowers have been helped to maximise planning gains from investment, acquire property and change the use of buildings and land.
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Buying Instructions
We have a specialised landlords team who can be reached on 0161 817 7480 or by emailing LNPG@romafinance.co.uk.
Or get in touch with one of our Relationship Managers today.
Claudine Reynolds – 07731 966 171
We have a well-integrated partnership with LNPG and members receive a discounted arrangement fee of 1.15%. Be sure to benefit and let us know you are part of the LNPG when you get in touch.
Products
At Roma Finance we can offer you the following solutions;
- FLOW: Bridging Finance, Auction Finance, Light Refurbishment Finance
- GROW: Conversions and renovations, Development Finance, Refinance and part completed project options
- PRO: Buy-to-Let Finance, Holiday Let & Serviced Accommodation Solutions, HMO and MUFB Solutions, Revolving Credit Facility
Semi-Commercial, Commercial and Mixed Use property solutions
We have a unique, simplified legal process for quick completions and unlike many lenders, offer direct access to our underwriting team. We lend in England and Wales across the full product range and in Scotland for short-term lending.
Our customer centricity means we are flexible, with manual underwriting, structuring your deal with your needs in mind.
View more details in our Landlord’s Guide to Bridging & Development Finance
Case Studies
A real life Customer for Life case in motion
Roma Finance was presented with a case of a limited company borrower with two directors, who wished to purchase three retail units with the intention of turning them into three terraced houses.
They also planned the further construction of three new build houses at the rear.
The purchase price was £187,000 and the build costs £332,000 with a Gross Development Value of
£990,000. Roma Finance issued a development loan of £473,000 with a day one advance of £111,000.
The project was transferred onto a bridging loan when the build was wind and watertight and finally to a term buy-to-let mortgage on completion. The rental income on completion was £52,000 per annum.
A quick turnaround for a pandemic auction purchase
Roma Finance received a case from a customer who had purchased a property at auction and had less than a week to complete.
The customer was an experienced landlord who had purchased a four-bedroom detached, Grade II listed property. The customer needed to complete in under one week due to delays working with other lenders and was looking to borrow 100% of the funds of £144,000, to purchase the property. There were minimal works to be completed and the exit strategy was to add the property to the portfolio and rent it out.
Despite the challenging circumstances of the pandemic, Roma was able to quickly provide an Agreement in Principle and progress the finance within the 7-day deadline the auction house required.
On reviewing the valuation reports and assessing the background and assets of the customer, Roma agreed to the borrowing in exchange for additional security which was to place a second charge against the customer’s residential property.
Funding an HMO Conversion
Roma Finance’s customer needed funds quickly to convert a three bed semi-detached house into a six bed HMO in Bristol. After meeting the customer on site and assessing the transaction, Roma saw that this case was viable as an HMO in the local area.
The business plan was to have a quick turnaround for this project with the customer looking to purchase the property and get the works completed within six weeks.
The purchase Price of the property was £250,000 with conversion build costs of £80,000 and rental income of £1,700 per month when the house was converted. Roma were able to quickly provide a bridging loan of £266,000 over a six month term. At the end of the finance period the customer exited the loan by taking out a buy to let mortgage.
The customer was delighted with the slick service provided and we are already working on the next deal with them.
Contact Information
We look forward to working with you to help you create wealth from your property aspirations.
If you have any enquiries please contact 0161 817 7480 or email LNPG@romafinance.co.uk.
Or get in touch with one of our Relationship Managers today.
Samantha Williamson – 07704 343 143
Claudine Reynolds – 07731 966 171
Webinar Library New Feature
Fancy catching up on what Roma Finance is up to? Well you’re in luck.
The videos below are edited clips from our Lock-In series, where we sit down with the people behind the scenes and discuss hot topics and upcoming updates.
If you want to view our library of past episodes with all our partners, click here.