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Refurbishment finance that’s more than just a quick fix


Get in touch

Refurb on the cards? Let’s make it happen.

Call us on 0161 817 7480

Email us at enquiries@romafinance.co.uk

Send us your enquiry via this contact us form

Renovating any property takes vision and nerve

Refurbishment finance that’s more than just a quick fix. It can often demand big upfront investment before a return can be expected, so short-term finance is essential to get boots on-site, or keep them there. We have a unique ‘computer says YES’ mindset.

At Roma Finance, we do refurbishment finance a bit differently. We have light, medium and heavy refurbishment and the difference between them is based purely on how much is being spent on the refurbishment compared to the Current Market Value (CMV).

Light Refurbishment – spend of between 20% – 50% of the CMV on works

Medium Refurbishment – spend of between 50% – 100% of the CMV on works

Heavy Refurbishment – spend of over 100% of the CMV on works

We can consider a variety of property types, constructions, credit profiles, and income sources. And we offer both first and second charge bridging loans — we really do #LovetoLend.

  • Light, medium and heavy refurbishment solutions
  • Loans from £75,000 to £3 million
  • No exit fees
  • Manual underwriting – every case considered individually
  • Quick decisions, speedy completions
  • Clear communication throughout the life of your finance

For the ‘Borrower First’ experience. Because every application is different.

At Roma Finance we understand that every property transaction is unique. That’s why we put flexibility and service at the forefront of everything we do. Tell us what kind of finance you need and we’ll find a way to make it happen.

  • Fast: most bridging cases completed within 28 days
  • Flexible: lending for every property type
  • Simple: we have reinvented and streamlined the legal and underwriting process
  • Trusted: we value integrity, and customers keep coming back

Got a question?

A refurbishment loan is a type of bridging loan, a secured borrowing available for developers and landlords looking to improve a property before selling or renting out. The finance is essentially to cover the costs of property refurbishment.

The definitions for light medium and heavy refurbishment are different for each lender. The nature of the requirements will determine which option is most appropriate. At Roma, our guidelines are as follows:

  • Light – Cost of Works are 20%-50% of Current Market Value
  • Medium – Cost of Works are 50%-100% of Current Market Value
  • Heavy – Cost of Works are over 100% of Current Market Value
Got a question not answered here? Get in touch

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We have a 'Borrower First' philosophy; we #LovetoLend
Read enough? Let's talk. Call 0161 817 7480, to see how we could support you and your business, alternatively you can email us.
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