Less ordinary, more extraordinary
At Roma we share the entrepreneurial spirit that drives every property developer. Where ordinary lenders can be cautious in their approach, we are free to be bold, imaginative and agile.
When your client needs development finance to get a project moving, our willingness to judge each case on its merits can make all the difference. Our access to multiple funding lines allows us to be flexible, and our streamlined process accounts for the need for speed with attention to detail.
A Developer Exit product is also available for when sites become wind and watertight, allowing your customers to continue their build on lower rates and maximise profit.
- Solutions for self-build and ground-up development
- Part-built sites and developer exit options available
- Terms up to 24 months
- Rates from 0.89%
- LTV up to 70%
- Loans up to £3 million
- Direct access to the underwriter for quick decisions and completions
- Lending across England, Scotland and Wales
Standard Residential Investment Bridging LoanSee our full tariff of charges
Got a question? We have answers.
Developer exit lending, commonly called a development exit loan is a short term finance option that enables a property developer to refinance, usually at a lower rate than their initial development finance facility. Development projects qualify for developer exit funding when they are wind and watertight. This funding allows developers to release equity and also save on interest payments due to a lower rate.
GDV stands for Gross development Value. It is an estimate of the open market value or rental value a property development is likely to have on completion. It is determined on the basis of current and recent similar transactions.
Roma considers development finance up to £3 million although larger loans can be considered by referral.
Six steps from enquiry
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.
1. Initial enquiry
Call us on 0161 817 7480, email or complete the enquiry form and your loan is on its way.
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.
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.
4. Confirm terms
After we’ve met the borrower and underwritten the case, we will confirm the loan terms.
5. Instruct solicitors
Once terms are accepted, we will instruct our solicitor to send legal papers required for completion to your solicitor.
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
Need something different?
Bridging loans for standard residential properties. From £75,000 to £3 million with competitive rates and rapid, comprehensive response. Available across England, Scotland and Wales.
Commercial, semi-commercial and mixed use developments and projects. We get building started, bridge funding gaps, fix broken chains and keep deals moving.
Light, medium or heavy, refurbishment projects with financial solutions tailored for each application. Speed is often essential and our track record proves we deliver.
Auctions demand decisive action, and we're ready to arrange short-term finance in advance. Your customers can bid with confidence anywhere in England, Scotland and Wales.
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
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
- South East