"For many property entrepreneurs, building a resilient and sustainable portfolio is the priority. By removing the need to refinance onto another product, landlords have a clearer view of their end position and reduced exposure to changing market conditions"
- Michael Allison - Roma Finance
Roma Finance has introduced a refurb buy-to-let mortgage to support landlords and property investors carrying out light refurbishment projects, with the goal of retaining and letting properties on a standard buy-to-let basis.
The product addresses rising demand from landlords pursuing refurb-to-let strategies, including BRR and BRRR, as they seek to enhance property quality, rental performance, and long-term portfolio resilience. Across England, Wales, and Scotland, many opportunities exist in properties requiring modest refurbishment rather than full-scale development.
Previously, such projects often required two separate funding stages: a bridging loan for acquisition and refurbishment, followed by a refinance onto a standard buy-to-let mortgage. Refurb BTL combines these stages into a single facility, reducing complexity, lowering costs, and providing greater certainty from the outset.
The launch complements Roma’s existing bridging and development finance options, offering brokers and landlords a broader range of solutions tailored to the structure of each project.
Michael Allison, commercial director at Roma Finance (pictured), said, “We are seeing more landlords focus on adding value through refurbishment rather than pursuing large-scale development. The challenge has often been finding a funding structure that properly supports this type of strategy. Refurb Buy-to-Let gives greater assurance from day one, aligning the finance with the customer’s long-term plans.”
The product targets projects where refurbishment costs account for up to 25% of the property’s initial value. By funding both purchase and works under a single facility, it helps reduce exposure to valuation risk and avoids shortfalls that can occur when refinancing with a separate lender.
Allison added, “For many property entrepreneurs, building a resilient and sustainable portfolio is the priority. By removing the need to refinance onto another product, landlords have a clearer view of their end position and reduced exposure to changing market conditions.”
Refurb BTL is part of Roma Finance’s PRO range and is delivered through the lender’s FLOW process, emphasising consistency, clarity, and reliability. Loan sizes range from £75,000 to £500,000, with a minimum property value of £100,000 and terms of 36 months. The product is available across England, Wales, and Scotland, with all borrower entities considered.
