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Roma Finance

Love To Lend.

BridgingDevelopmentRefurbishmentBuy-to-LetCommercial MortgagesLends on Land

Max LTV

75% (bridging)

Interest from

Competitive rates

Loan size

£75,000–£3m

Term

3–24 months

Charges

1st and 2nd

Areas

England, Wales and Scotland

Who they are

At Roma, we’re the lender that stands beside you and your clients from first conversation to final exit. We focus on people before assets, taking a holistic view that supports confident decision-making. We move fast, with ten funding lines for flexibility, and offer AVMs, desktops and dual representation as standard. Our commitment continues beyond completion, supporting brokers and borrowers through build, exit and transition with clear communication and access to decision makers. With expertise across bridging, development and term lending throughout England, Wales and Scotland, we’re finance that goes further. This is relationship-led lending. This is #lovetolend.

Their ethos

At Roma, our ethos is built on empowering borrowers and creating prosperity through property. Guided by strong ESG values, we prioritise learning, collaboration, innovation and integrity. We underwrite the person before the property and champion education so colleagues, brokers and borrowers feel supported throughout their journey. We’re award-winning for how we treat our people, promoting transformational leadership and contributing to our wider community. By growing talent from within and aligning every stakeholder to a shared purpose, we ensure our commitment to people drives everything we do.

What they specialise in

Roma specialises in guiding borrowers through the full property journey. Our FLOW bridging, GROW development and PRO term ranges create a seamless cycle — from acquisition, through refurb or development, to releasing equity for the next project. We build lasting relationships through expertise and finance that goes further.

Meet the team

Sonia Mann

Head of Sales

sonia.mann@romafinance.co.uk

Mark Foley

Senior Business Development Manager

mark.foley@romafinance.co.uk

George Tuffin

Senior Business Development Manager

george.tuffin@romafinance.co.uk

Alisha Chu

Senior Business Development Manager

alisha.chu@romafinance.co.uk

Contact

15 Carnarvon Street, Manchester, M3 1HJ

www.romafinance.co.uk

enquiries@romafinance.co.uk

Lending criteria

Funding model
Institutionally backed by multiple funding lines
FCA regulated
No
Fixed/variable interest
Variable
Treatment of interest & default interest
Rolled, retained, serviced; a revised rate may apply
Sectors
Residential, semi-commercial, commercial and investment development
Max LTGDV
65%
Max LTC
85%
Min property value
£100,000
Valuation retypes
Yes – subject to PI cover
Rental calculations & exposure
1.25% x the lower of the market rent and actual rent
Types of valuation accepted
AVMs, retypes, physical, desktop
New builds
Yes
Heavy refurb
Yes
Grade listed buildings
Yes – Grade II only
Green/sustainable product
No
Planning permission needed
Yes
Commission rate
Variable
Associations/charters
FIBA, BDLA and NACFB
Types of landlords accepted
Limited companies, individual, first-time and portfolio
Upfront fees
Valuations and legal fees – charged at cost
Broker portal
No
Early redemption charges
Yes
Investment
Yes
Owner occupied
Business purposes only
Electronic signatures accepted
Yes
Lending on land
Yes, with planning

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Lender information courtesy of The Lender Index by Bridging & Commercial.

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