Standard residential bridging loans for intermediaries and their customers

Get in touch

Client lined up? Let’s do this.
Client enquiry? Let’s win their business.

Call us on 0161 817 7480

Email us at enquiries@romafinance.co.uk

Send us your enquiry via this contact us form

Less waiting, more communicating

The right short-term finance is the key to helping your clients get a residential property offer accepted and the case completed against the clock. 

Roma Finance’s flexible, streamlined approach to bridging loans enables you to offer tempting terms and deliver the speed buyers need 

We work smoothly with  all intermediaries and we understand the pressure you’re underKeeping purchasers happy and intermediaries earning. That‘s lending less ordinary. 

We can consider a variety of property types, constructions, credit profiles and income levels. We also offer both first and second charge bridging loans. It all helps to make us a lender less ordinary. 

 

  • Loans from £75,000 – £3 million in England, Scotland and Wales
  • Rates from 0.65%
  • LTVs up to 75%
  • Manual underwriting: every case considered on its merits
  • Quick decisions, speedy completions
  • Unrestricted access to underwriters and decision makers

 

Got a question? We have answers.

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

Roma considers bridging finance from £75,00 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

In most circumstances an exit strategy will be required to ensure there is security on how the finance will be repaid. Exit routes are usually the sale of the property that the loan has been secured against or refinance via another form of finance.

At Roma, all our loans are manually underwritten with a focus on the borrower instead of the property. There is a focus on the strength and capability of the borrower and their exit strategy In order to pay off the loan.

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.
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  • 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
We’re the professional’s professionals
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