ROMA FINANCE EXPANDS LONG-TERM BUY-TO-LET PROPOSITION WITH NEW TWO-YEAR FIXED-RATE RANGE
04 November 2026
Roma Finance is expanding its long-term buy-to-bet proposition, introducing new fixed-rate products alongside its existing five-year variable offering. The development strengthens the specialist lender’s longer-term lending capability, giving brokers and borrowers more choice when arranging property finance.
The extension, which launches today, significantly builds on Roma’s current buy-to-let product range and sits alongside its commercial and semi-commercial mortgages, as the business continues to cultivate a broader funding proposition for professional property investors. Collaboratively, with its bridging and development finance expertise, these products give customers more opportunities to work with Roma as funding needs change over time.
The buy-to-let range now offers two and five-year fixed-rate products, with terms of up to 25 years and lending up to 75% loan-to-value (LTV). Loans are available from £75,000 to £2m, with total individual exposure of up to £3m.
Rates on the standard buy-to-let range start from 5.89% for two-year fixed products and 6.59% for five-year fixed products, both with a 5% product fee. Lower-fee alternatives are also available, including selected products with a 0% product fee. For specialist properties, including houses in multiple occupation (HMOs) and multi-unit freehold blocks (MUFBs), rates start from 6.69% for two-year fixes and 6.79% for five-year fixes, with product fees of 3% or 5%.
This new development further enhances Roma’s Customer for Life proposition and while the new products can be used as stand-alone options, they can also provide certainty of exit for investors and developers working with Roma and their broker on bridging and development loans.
Michael Allison, Commercial Director of Roma Finance, said:
“We see long-term lending as an important part of Roma’s future growth. So far, our reputation has come from our performance and service in the bridging and development finance arena, but we see the expansion of our mortgage proposition, building on our expertise and creating a more connected offering as being vital to our future success.
“For brokers, the value is in having a lending partner they can return to as their customers’ needs change, rather than having to start a new relationship with a different lender at every stage. That’s what Customer for Life means to us. It’s not simply about the finance we provide today, but about the relationships we build and how we continue to provide clarity, consistency and trusted support at every stage of the property journey.
“Adding two-year fixed-rate options to our existing five-year buy-to-let variable offering is another step in that development. Alongside our commercial and semi-commercial mortgages, it strengthens the long-term side of our business and gives us a broader platform to build on.”
Today’s announcement follows Roma’s introduction of commercial and semi-commercial mortgages as well as the establishment of a dedicated term underwriting team earlier this year.
