Roma Finance
Specialist LenderRoma Finance is a Sheffield-based specialist lender providing bridging finance, development loans, and second-charge products. Their technology-driven platform enables fast turnarounds, and they pride themselves on supporting brokers with responsive service and competitive short-term lending solutions.
Visit Website
About Roma Finance
Roma Finance was founded in 2014 and is headquartered in Sheffield. The lender provides bridging finance, development loans, and second-charge products. Roma Finance uses a technology-driven platform to enable fast turnarounds and has built a reputation for responsive service and competitive short-term lending solutions.
Roma Finance serves property investors and developers through intermediaries. The lender prides itself on supporting brokers with dedicated case management and efficient processes. Roma has developed expertise in bridging and development finance for a range of property types.
Roma Finance is broker-only and works with property finance intermediaries across the UK. The lender is regulated by the FCA and has built a strong presence in the bridging market.
Lending Focus
Roma Finance offers mortgage products across 4 categories including Bridging, Development, Limited Company and 1 more.
Key Features
- Bridging loans from £50k to £5m across England and Wales
- Light and heavy refurbishment development finance
- Second-charge lending with flexible criteria
- Tech-enabled platform for faster completions
- Award-winning broker support team
Pros & Cons
Pros
- Technology-driven platform enabling faster completions
- Award-winning broker support and service quality
- Offers bridging, development, and second-charge in one place
- Competitive rates starting from low entry points
Cons
- –Broker-only — no direct access for borrowers
- –Only lends in England and Wales
- –Relatively young lender — established 2014
Fees & Charges
- Arrangement Fee
- Typically 1.5–2% of the loan amount
- Valuation Fee
- Varies by property value — arranged through approved panel
- Early Repayment Charge
- No ERC on standard bridging products
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on Roma Finance
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 5–15 working days from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 4 weeks from date of offer
Lending Criteria
- Maximum LTV
- 75%
Frequently Asked Questions
What areas does Roma Finance cover?
Does Roma Finance offer development finance?
What is the minimum bridging loan from Roma Finance?
How does Roma Finance process applications so quickly?
How to Apply
Broker only. Roma Finance products are available through mortgage brokers. Find a broker with Roma Finance on their panel.
Similar Lenders
View all lenders
United Trust Bank
Specialist LenderLondon
Albatross Capital
Specialist LenderLondon
Alternative Bridging Corporation
Specialist LenderLondon
Aspen Bridging
Specialist LenderManchester
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.