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Unlike most other lenders, Roma Finance made significant efforts to understand my objectives for the project.

Their process was quick and they delivered what they said they would.

A bridging loan in 2 days. They do what they say they will! Refreshing!

Roma Finance liaised with both myself and the borrower every step of the way.

They demonstrated their expertise and I will definitely use them again.

I was delighted with their speed and professional approach.

They have expert property knowledge and truly understand the benefits of bridging finance.

Roma Finance look beyond the façade to see the potential in renovating

The borrower was an experienced builder in Chester and he and his business partner bought a derelict semi-commercial terraced property at auction for £50,000 comprising a ground floor shop with accommodation above.

  • Borrower couldn’t raise funds from other lenders
  • Renovation finance needed with huge potential
  • £50k lent in stage payments
  • Bought for £50k at auction, now valued at £260k

While another lender procrastinated, Roma Finance went to visit the property and met the borrowers to discuss their plans. Although not in a good state of repair, the locality provided good housing and shopping amenities. It seemed obvious that having been empty for 25 years, the local authority would grant consent for a change of use – indeed the borrowers already had an application in for the renovation to provide a shop and two flats or four flats.

As the project was discussed it became apparent the borrowers were experienced property professionals, pointing out three other properties they had fully refurbished on the same road, demonstrating they were extremely familiar with the local housing and rental market.

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£375,000 bridging loan provided for day nursery, prior to planning being granted

Case File:

The borrower wanted to purchase a 5-bed detached executive home for conversion to a day nursery. Other lenders had turned the case down as planning permission for the conversion to a business hadn’t been granted. However, Roma Finance met the borrower and discussed in more detail their business plan – with or without planning permission.

The detached house was worth £610,000 on the open market and it had an indoor swimming pool, which would be used to provide swimming lessons, paid for separately to the day nursery. With borrower only requiring £375,000 the LTV was easily acceptable. Also, the borrowers already ran another day nursery so they had experience of running a successful business in this market.

  • Funding needed for a detached house
  • Planning submitted to run a day nursery
  • If planning not granted borrower had a viable backup plan
  • With low LTV and business potential, Roma funded £375k

During discussions it became apparent that behind the house a development was underway on a new housing scheme, with 5,500 new family homes being built, an ideal target audience for a day nursery, which when built would significantly increase the value of the business.

By digging a little deeper in to the way the business was going to be run, with two income streams (from the nursery and swimming lessons), and a ready made market with the new housing development, Roma Finance then discussed with the borrower the possibility of planning not being granted.

The borrowers clearly demonstrated they had thought this possibility through too. The backup plan was to start a child minding service from the property, which didn’t require planning permission. The business model still provided a suitable income as it could still be supplemented by offering swimming lessons to local children as an extra income stream.

With a thorough understanding of the borrower’s plans and opportunities whether planning was granted or not, Roma Finance provided the £375,000 requested.

Scott Marshal, Director at Roma Finance said: ”Because we like to get to know how a business is going to operate and any fall back options, we were able to provide the funding where other lenders hesitated. Obviously planning permission is vital for any business, but as the borrowers had a second business model based on not getting the permission, this made our decision a lot easier. Also, with a second income being derived from the swimming lessons, sufficient income was going to be generated to cover the loan payments.

“I’m pleased to say that although the planning application is still in progress, staff have been recruited and the child minding business is about to start. Because Roma Finance looked closely at the big picture and didn’t get hung up solely on the planning angle like other lenders, we have helped a worthwhile business get off the ground.”
The borrower will refinance the bridge on a longer term mortgage once either of the two strategies has been proven.

Roma Finance lend £310,000 for borrower to maximise return on stunning mansion conversion

Case File:

  • Borrower needed funding to renovate spectacular mansion
  • Other lender wouldn’t commit in the required time frame
  • Roma Finance provided two tranches of funding
  • Broker, y3s Bridging and Commercial, paid commission on both fundings
  • Borrower  now has long term rental income from house and 6 luxury flats

There has been a lot of talk since the recent budget that buy to let property will be used by a growing number of people as part of their pension planning. This is borne out through the example of this project funded quickly by Roma Finance to help a borrower undertake a renovation to provide long term rental income. Roma Finance were also able to provide a second facility to help get the most from the opportunities this property provided.


After spending two months trying to get funding from another lender and their borrower  paying out for legals and fees, the broker, y3s Bridging and Commercial, finally decided to try another lender and called Roma Finance one Friday morning. Although they hadn’t worked with Roma Finance before, they had heard about their individual approach and ability to help borrowers when a case gets stuck and clear decisions just are not being made.

The property was a much sought after old mansion nestling in beautiful parkland bought by the borrower  for £790,000 with a loan from a High Street bank. The plan was to convert the property into a spacious family home, together with 6 luxury 2 bedroom apartments, which would be rented out.

After receiving the call on Friday morning Roma were on site meeting the borrower on the Sunday morning, gave an immediate on the spot in-principle agreement and the borrower  had £110,000 by Tuesday which enabled the borrower to complete the conversion of the first 2 flats.

The borrower then requested that his broker raise a further £200,000 to convert 4 further luxury executive lets in the mansion which would be finished to the highest standards.


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