Bridging Finance

Roma Bridging Loans

Access Roma's specialist bridging products through Doulton. Fast funding, flexible property acceptance, and tailored solutions for both residential and commercial borrowers.

Specialist Property Finance

Roma bridging loans through Doulton

Roma has established itself as a specialist property finance provider with a particular strength in bridging loans. They combine fast decision-making with a willingness to consider non-standard properties and borrower profiles, making them a valuable option for cases that require a more flexible approach than the mainstream market can offer.

As an experienced bridging finance broker, Doulton has a direct relationship with Roma's underwriting team. We search across 130+ lenders including Roma to find your best deal, ensuring you get the most competitive terms available for your specific circumstances.

Key Features

What Roma offers

Fast Funding Capability

Roma understands that speed matters in bridging. Their efficient processes and dedicated case managers ensure that straightforward applications can progress from approval to completion in under two weeks.

Wide Property Acceptance

Roma lends against a diverse range of property types including standard residential, HMOs, commercial units, mixed-use buildings, and properties above commercial premises that other lenders may decline.

Second Charge Options

Roma offers second charge bridging loans, allowing borrowers to raise additional capital against properties with existing mortgages. This is useful for raising funds without disturbing favourable existing lending arrangements.

Adverse Credit Considered

Roma takes a pragmatic view of credit history. Past CCJs, defaults, or missed payments do not automatically result in a decline. Each case is assessed on the strength of the property and the proposed exit route.

Regulated and Unregulated Lending

Roma provides both regulated bridging for owner-occupied properties and unregulated bridging for investment and commercial purposes, covering the full spectrum of borrower needs under one roof.

Dedicated Case Management

Every Roma application is assigned a dedicated case manager who serves as a single point of contact throughout the process. This ensures continuity, clear communication, and efficient progression to completion.

Why Use a Broker

The advantage of going through Doulton

While Roma is a capable specialist lender, they are just one option in a market of over 130 bridging providers. By working with Doulton, you gain access to the entire market - not just a single lender's products. We compare Roma's terms against every other lender to make sure you are getting the best deal.

Our established relationship with Roma means we can often negotiate better terms than you would receive going direct. We understand their criteria inside out, which means fewer delays, fewer declines, and faster completions. If Roma is not the right fit, we will tell you - and place your case with a lender that is.

Get a Quote

Looking for a Roma bridging loan?

We search across 130+ lenders including Roma to find your best deal. Get an indicative quote within hours.

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FAQs

Frequently asked questions

Can I apply to Roma directly or do I need a broker?

Most specialist bridging lenders including Roma prefer intermediated business and either do not accept direct applications or reserve their best pricing for broker-introduced cases. Going through a whole-of-market broker like Doulton means your application is placed on the right desk, structured the way the underwriter wants to see it, and benchmarked against 130+ alternative lenders before you commit.

How does Roma compare with other bridging lenders?

No single lender is the cheapest or fastest on every case. Roma may offer market-leading rates on one property type and be uncompetitive on another. We look at your specific scenario - property, LTV, exit strategy and timeframe - and identify which of the 130+ lenders on our panel will give you the best overall deal.

How fast can Roma complete a bridging loan?

Straightforward bridging cases can complete in 5 to 10 working days. More complex scenarios - unusual security, cross-collateralisation, multiple owners - typically take 2 to 3 weeks. Speed is driven by valuation and legal turnaround more than underwriting, so coming in with clean paperwork makes the biggest difference.

What rates do specialist bridging lenders charge?

Rates currently range from around 0.49% per month for prime residential first-charge deals at lower LTVs, through to 1.25%+ for heavy refurbishment, complex commercial, or higher-LTV transactions. Arrangement fees are usually 1-2% and most lenders will accept retained, rolled-up or serviced interest.

Does using a broker cost more than going direct?

No. Broker fees are typically disclosed upfront and competitive deals often only become available via intermediaries. Lenders price in the underwriting and packaging work a good broker does, so you usually end up with a lower all-in cost than going to the lender's direct-to-consumer desk.

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Roma Bridging Loans