Roma Finance

Manchester-based principal lender covering residential bridging, refurb and a specialist BTL mortgage line. Notable for the "RomaFLOW" streamlined process on cleaner cases and a strong service reputation in the broker market. FCA-regulated for the regulated bridging and BTL book. Note: multiple Roma-named entities on Companies House; verify the operating entity at publish time before citing a CN.

Quick routing verdict

  • Product: Bridging and BTL mortgages.
  • Ticket band: £75k to £3m.
  • Decision time: 3 to 10 business days.
  • Pricing: From 0.69% per month.
  • FCA-authorised.

At a glance

Legal entity
Roma Finance (UK trading entity)
Founded
2009
Product
Bridging and BTL mortgages
Ticket range
£75k to £3m
Decision time
3 to 10 business days
Ltd-only
Lender accepts other structures, FundBiz routing is Ltd-only
Last reviewed
2026-05-08

Why we route here

  • Strong Trustpilot footprint, top end of bridging category.
  • In-house BTL mortgage product alongside bridging.
  • Streamlined process for prime cases.
  • FCA-regulated for the regulated book.

When we route elsewhere

  • Broker-distributed; direct applicants routed.
  • Per-month rate quoting; total cost varies with exit.
  • £3m ticket cap limits utility for larger schemes.

Best fit applicants

  • £100k to £1.5m residential bridging
  • BTL mortgages
  • Refurb projects

Where Roma Finance is the wrong fit

  • £3m+ tickets
  • Ground-up development
  • Self-serve consumer journey

If declined by Roma Finance

If your application to Roma Finance is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Roma Finance decline runbook for sector-specific routing detail.

Other panel lenders

How we rate Roma Finance

This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.

Run the matcher

Tell us your turnover, sector and ticket size. We score against Roma Finance and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.

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Last reviewed: 2026-05-08. By Oliver Mackman.

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