Long‑term finance for commercial 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
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.
