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Roma Finance

Finance Mortgages

Bridging loans and development finance funding portfolio growth


Welcome to Roma. We love to lend and 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 set circumstanced and lend across residential, semi-commercial and commercial properties, as well as land.

Our partners are at the heart of everything we do. Here are some of the services we can offer:

1. Bridging Finance

This includes auction finance, refurbishments, commercial bridging and below market value. 100% funding is possible with additional security. We also have a RomaFLOW bridging product range comprising of FLOW Bridge, FLOW Refurb and Light Development, with competitive rates and desktop valuations. This is a result of the continued success of our RomaFLOW process, which is a minimal hassle method with 80% of applications completing within 28 days.

2. Development Finance

We have solutions for everything from ground up sites, self builds and developer exit solutions. We can also accept part built sites that need refinance.

3. Advance Auction Solution

As part of our auction product we can use AVM technology to provide a ceiling price in advance of auction so you can bid with confidence. When you see a property you would potentially like to purchase, get in contact in advance and we can put things in place for peace of mind.


Established in 2008, Roma Finance is a member of the ASTL, FIBA, and the NACFB and over the last few years has grown considerably with over 50 staff and 9 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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Some information on this page is just for members – it might include pricing, contact information and other sensitive details that we need to keep to ourselves.

Please log in or sign up as an LNPG member to continue.

Buying Instructions

We have a specialised landlords team who can be reached on 0161 817 7480 or by emailing

Or get in touch with one of our Relationship Managers today.

Samantha Williamson – 07704 343 143

Alan Collins – 07935 065 300 

Claudine Reynolds – 07731 966 171 

We have a well-integrated partnership with LNPG and members receive a discounted arrangement fee of 1.25%. Be sure to benefit and let us know you are part of the LNPG when you get in touch.

A member of the team will discuss your case with you and if Roma Finance’s solution is right for you we will issued an Agreement in Principle within the hour.


At Roma Finance we can offer you the following solutions;

  • Bridging Finance
  • Auction Finance
  • Light, Medium and Heavy Refurbishment Finance
  • Conversions and renovations
  • Development Finance
  • Semi-Commercial, Commercial and Mixed Use property solutions
  • Buy-to-Let Finance
  • Holiday Let & Serviced Accommodation Solutions
  • Refinance and part completed project options

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

Roma Finance Households

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

Or get in touch with one of our Relationship Managers today.

Samantha Williamson – 07704 343 143

Alan Collins – 07935 065 300 

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.