Six steps from enquiry to completion
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Over many years of arranging bridging finance, the Roma team is continually refining the process to make it hassle-free and responsive. Above all to make it quick and slick, because property deadlines are tight deadlines.
It takes a team who love to lend to fast-track cases, twin-track the legals and the underwriting… do whatever it takes to drive the sale forward.
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Yet no matter how rapidly we’re working, we always take the trouble to understand what makes each case different, and keep everyone informed at every stage.
Need to complete within 48 hours? We can run stages 2 – 5 simultaneously, and may even release funds to our solicitor before the due diligence process has been completed.
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1. Initial enquiry
Call us on 0161 817 7480, email or complete the enquiry form and your loan is on its way.
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2. Agreement in principle
The AIP accelerates the process by telling you exactly what we need before we can underwrite your loan, also providing Open Banking instructions.
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3. Valuation instruction
We’ll get a third party valuation arranged ASAP, and get to the underwrite so we can confirm the terms in writing as quickly as possible.
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4. Instruct solicitors
As soon as the terms have been accepted, we instruct our solicitor to send the legal papers to yours. This is even quicker when the case benefits from dual legal representation.
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5. Completion
Funds are released, so nothing delays the deal.
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6. Loan service
Your customer service representative will be in touch to explain what happens next and how to manage the loan through to redemption.
For the ‘Borrower First’ experience.
Because every deal 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
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Our intermediary team
is ready when you areSimply select your region and you’ll meet the vastly experienced experts whose job it is to make your job easier.
- North of England & Scotland
- North West & North Wales
- South West & South Wales
- Midlands
- South East
We have a 'Borrower First' philosophy; we #LovetoLend
What would you like to know?
These types of loans are also called bridge financing or a bridge loan. A bridging loan is short-term financing used until a person or company secures permanent financing or removes an existing obligation. Bridge loans are short term, typically up to one or two years. These types of loans are generally used in real estate
Find out moreRoma considers bridging finance up to £3 million although larger loans can be considered by referral.
A bridging loan can be used for almost any purpose such as:
- Purchases from auction – with fast completion in the required time frame
- Planning gain / change of use – to maximise property value and income
- Chain breaking mortgage – to enable a borrower to progress a purchase before completing a sale on their existing property
- Releasing cash from probate on an inherited property – so that the property can be sold
- Refurbishment finance – to maximise rental income
- Purchase at undervalue – letting a borrower capitalise on a one-off opportunity
Commercial bridge loans (also known as commercial mortgage bridge loans) are short-term commercial real estate loans that are used for the purchase of commercial properties when permanent financing is not an option. Their primary use is when a property needs significant renovation before it will qualify for permanent financing.
