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The HMO Mortgage Broker

Roma Finance

Roma Finance is a specialist property lender offering bridging, development, and buy-to-let finance. They are known for their personal service and ability to fund unconventional properties and complex borrowing scenarios, including HMO conversions and refurbishments.

  • Bridging, development & BTL products
  • Fast and flexible lending
  • Funds HMO conversions and refurbs

HMO Services

See our guide to HMO mortgages for criteria, valuation and how specialist lenders underwrite multi-let stock. Or compare HMO mortgage lenders side by side.

Roma Finance HMO Rates

Borrower Criteria

Criteria last checked 10 March 2026.

Who they lend to

  • Yes:Individuals
  • Yes:Limited companies
  • Yes:LLPs
  • Yes:Offshore companies

Experience and credit

  • Yes:First-time landlordsFlexible on experience, welcoming first-time landlords and developers.
  • Yes:No property experience needed
  • Yes:Adverse credit consideredTakes a pragmatic view on credit history, assessing each case on its merits.
  • Yes:Borrowers aged 18 to 85

How to apply

  • Yes:Through a broker
  • Yes:Direct to the lender

Frequently Asked Questions

Common questions about Roma Finance and their HMO mortgage services.

What are Roma Finance's HMO mortgage rates?

Roma Finance publishes HMO mortgage rates that vary by product, loan-to-value, borrower profile and property type. Ask us for a dated illustration rather than a generic headline rate.

What are Roma Finance's borrower criteria?

Roma Finance accepts first-time landlords. Adverse credit is considered on a case-by-case basis. Minimum age: 18 years, maximum age: 85 years.

Does Roma Finance accept intermediary applications?

Roma Finance accepts intermediary applications. Direct applications are also accepted.

What HMO services does Roma Finance offer?

Roma Finance offers Hmo Mortgages, Hmo Remortgages, Hmo Bridging Finance, Hmo Development Finance, Portfolio, Limited Company, Bad Credit. Contact us to discuss your specific requirements and find the best solution for your property investment needs.