Buy-to-let finance for intermediaries

Get in touch

Buy-to-let customer waiting? Arrange the finance now. 

Call us on 0161 817 7480

Email us at

Send us your enquiry via this contact us form

Less standardisation, more personalisation

Investment properties continue to be a fantastic way to create wealth. Borrowers rely on intermediaries to provide them with the best advice and solutions to suit their situation. 

At Roma we understand the importance of security and an exit strategy.  So we introduced our special 5-year mortgage product, enabling landlords to retain the property but release the equity. 

We’re also a lender less ordinary when it comes to property types, including HMOs and refurbsEven using one loan to exit another. Let’s get the next new venture moving. 

  • 5 year mediumterm solution for purchase and refinance  
  • Solutions for buy-to-let, HMOs, MUFBs, holiday lets and serviced accommodation 
  • Loans up to £1 million
  • No minimum experience, income or ownership 
  • Up to 70% LTV (75% if exiting a Roma bridge) 
  • Top slicing considered 
  • Manual underwriting – every case considered individually 
  • Direct access to underwriters for quick decisions and completions 
  • Lending across England and Wales

Got a question? We have answers.

A buy-to-let mortgage is a finance option for people to buy property as an investment, rather than as their residential home. Usually, a buy-to-let mortgage requires a larger deposit and will incur a higher rate of interest. This is because lenders often seek extra security, considering that there could be periods with no tenant while renting out a property, or the tenant may fail to keep up with their payments.

LTV stands for loan to value and is a measure of the balance between the amount of the mortgage and the property value.

Top-slicing is where a borrower’s personal income is used to top up any shortfall in rent which is needed for the borrower to obtain the finance they require.

Got a question not answered here? Get in touch

Six steps from enquiry
to completion

  • Over many years of arranging bridging finance, the Roma team has refined the process to make it hassle-free and responsive. Above all to make it quick, because property deadlines are tight deadlines. 

    It takes lending less ordinary to fast-track cases, twin-track the legals and the underwriting… do whatever it takes to drive the sale forward. 

  • Yet no matter how rapidly we’re working, we always meet the borrower, 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. 

  • initial_enquiry

    1. Initial enquiry

    Call us on 0161 817 7480, email or complete the enquiry form and your loan is on its way.

  • agreement_principle

    2. Agreement in principle

    The AIP accelerates the process by telling you exactly which documents we need before we can underwrite your loan, also providing Open Banking instructions.

  • valuation

    3. Valuation and borrower meeting

    We’ll get a third party valuation arranged ASAP, and we never lend until we’ve met the borrower and understood the case.

  • confirm_terms

    4. Confirm terms

    After we’ve met the borrower and underwritten the case, we will confirm the loan terms.

  • instruct_solicitors

    5. Instruct solicitors

    Once terms are accepted, we will instruct our solicitor to send legal papers required for completion to your solicitor.

  • completion

    6. Completion

    Funds are released and we might also release funds to your solicitor before the due diligence process has been completed.

Just a few of our recent successes

Lending less ordinary. Because every application is different.

At Roma Finance we understand that every property transaction is unique. That’s why we put flexibility 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: streamlined legal process for quick completions
  • Flexible: lending for a wide range of property types
  • Simple: we stick to our decisions
  • Trusted: we value integrity, and partners keep coming back
Check out our latest podcast An insight into the sector from Roma and our partners.
Listen now
  • Our intermediary team
    is ready when you are

    Simply 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
    Get in touch
We’re the professional’s professionals
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