Roma Finance is a specialist lender with decades of experience, offering lending solutions designed to support partners and borrowers on standard to complex bridging and development applications, including bridging loans.

This Manchester-based bridging lender prides itself on providing quick decisions and loan completions and offers competitive rates compared to a lot of its competitors.

In this review, I will take a detailed look at Roma Finance, breaking down their product’s key features, application process, eligibility criteria, rates and reviews, to help you decide whether this lender is the right choice for your needs.

Visit Website
  • Rates
  • Range of Finance Options
  • Loan Size
  • Application Process
  • Customer Service

roma finance header

Roma Finance Bridging

Roma Finance offers residential and commercial bridging loans from £75,000 to £3,0000,000.

These loans can be used to quickly secure property purchases, fund refurbishments, raise capital, or refinance existing loans.

Key features include

  • Bridging loans from £75,000 up to £3,000,000, with up to 75% LTV available
  • Rates start from 0.75% per month for terms up to 24 months
  • 1st and 2nd charge available
  • Unrestricted access to underwriting
  • Interest can be rolled up, serviced, or part/part
  • Quick decisions and completions
  • No exit fees
  • Most bridging cases are completed within 28 days
  • Lending is available for every property type
  • Any level of experience is considered

Roma Finance has a good reputation. Their rates are quite competitive compared to a lot of competitors, and their speed of execution allows you to get quick access to funds and work on your own timetables.

What are the Eligibility Criteria for a Roma Finance Bridging Loan?

Here’s the criteria to apply for a bridging loan with Roma Finance

Applicants Criteria

Accepted ApplicantsIndividuals, Limited Companies and LLPs
Expats and Overseas ResidentsMust have a credit footprint and a UK bank account
Minimum Age18
Maximum Age
Experience LevelAny level considered

Loan Criteria

LocationEngland, Wales and Scotland
Non-Regulated Loan
Loan to Purchase
2nd Charge LoanUp to 55% LTV
Loan Size£75,000 – £3,000,000
Max. Loan Term24 Months
Interest Repayment MethodRolled-up, serviced or part/part
Exit StrategyA robust exit strategy is required

AVM Criteria

Max. LTV on Refinance65%
Min. Property value£100,000
Residential TypeStandard construction only
Further Advances

Application Process for Roma Finance Bridging

The application process for a bridging loan with Roma Finance is quite standard. It all starts with filling out an enquiry form on Roma’s Website.

roma finance enquiry

Once your enquiry is received, Roma’s team will get in touch with you to discuss the next steps.

The front-end process is quite simple, with only basic information needed upfront. More due diligence comes before the formal approval of a loan.

Roma’s Finance team is helpful and responsive. They responded to my enquiries in a matter of hours, and I can only imagine they demonstrate the same speed for loan enquiries.

The lender’s speed record for loan completion is 5.5 hours.

Roma Finance Bridging Loan Rates & Fees


Here are the Roma Finance’s bridging loan rates for 2023.

Loan TypeRates FromMax. LTV
Standard Bridging and Auction0.75%75%
Light Refurbishment0.95%70%
Medium Refurbishment0.99%70%
Heavy Refurbishment1.05%65%
Developer Exit0.80%75%
Below Market Value0.99%70%


Arrangement Fee2%
Automated Valuation£30
Legal Fees0.3% + VAT (Minimum £1,000 + VAT)
Additional Security£500 + VAT per security

The full list of fees you may encounter while using Roma Finance’s services is consultable here.

Roma Finance’s Reviews & Ratings

roma finance reviews

Overall, Roma Finance receives very positive reviews, earning an excellent score of 4.7 out of 5 based on over 70 reviews on Feefo.

The number of reviews might seem quite low compared to some other sectors, but it is a decent amount in the bridging loan provider’s industry.

The majority of reviews rate Roma Finance 5 stars. Customers praise the company’s positive approach to lending, helpful staff and speed of execution.

The negative reviews mainly relate to high fees and a large amount of paperwork, which is pretty standard when dealing with such financial products.

All in all, negative reviews seem limited compared to the overwhelming positive feedback.

Feefo reviews indicate high customer satisfaction with Roma Finance’s lending services, owing to fast processing, competitive rates and great customer service.

While a small minority of customers have faced challenges, my overall sentiment toward Roma Finance is very favourable.

Compare bridging loans

Save time and money with Business Expert & Fluent Bridging

Quick Search – Compare bridging loan criteria in real time

Easy Process – Answer a few quick questions about your loan needs

Expert Support – Get access to our partner’s in-house advisers

Roma Finance FAQs

For what purposes can a Roma Finance bridging loan be used?

Bridging loans from Roma Finance can be employed for a wide range of purposes such as creating working capital for businesses, refinancing existing loans, purchasing property at auctions, releasing cash from inherited property, and many other uses​.

What are the key features of Roma Finance’s bridging loans?

Is an exit strategy required when applying for a bridging loan with Roma Finance?

How does Roma Finance underwrite their bridging loans?