Long‑term finance for property growth
#LovetoLend
Our Commercial Mortgages provide straightforward funding for a wide range of commercial properties. Built around clear decision making and practical criteria, they are designed to support investors, landlords and business owners who need to purchase or refinance.
Loans from £75,000 – £2million
Competitive rates
Up to 70% LTV
Up to 25-year term
Designed for property investors, trading businesses and OpCo-PropCo structures
Available in England, Scotland and Wales
Loans from £75,000 – £3 million
Competitive rates
Up to 75% LTV
Top slicing available
Intelligent touch underwriting; every case is considered on its merits
Quick decisions, speedy completions
Clear communication throughout the life of your finance
Buy-to-Let is the term range from Roma, allowing borrowers to build their property portfolios.
A borrower can take a project from initial purchase, refurbishment or development straight onto a buy-to-let mortgage – so no need to worry about the exit!
We offer a variable rate in line with the Bank of England base rate and completions are quick – at the same rate as a bridge.
Funding in 48 hours
No minimum drawdown
For residential, commercial and semi-commercial properties
Loans from £250,000 – £2.5 million
Up to 65% LTV
Competitive rates
Our Revolving Credit Facility (RCF) is a versatile product designed for property traders, entrepreneurs and investors.
It’s a lending facility that can be secured against an existing property portfolio, allowing an investor to hunt for properties and gain fast, ongoing and convenient access to funds when it’s required for time-sensitive purchases.
Loans from £75,000 – £500,000
Competitive rates
Up to 75% LTV
3-year solution for standard construction residential properties only
Quick decisions, speedy completions
Perfect for light refurbishment projects (up to 25% cost of works), this product combines refurbishment and buy-to-let into one seamless solution, designed for property investors looking to improve a property and retain it as an investment.
Powered by our FLOW process and built for speed and simplicity, cut costs, save time and release equity straightaway once refurbished and let.
We also offer a Refurb BMV Term product, ideal for borrowers purchasing below market value properties and carrying out light refurbishment works.
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.
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.
