Roma Finance has launched a refurb buy-to-let product designed to support landlords and property investors undertaking light refurbishment projects with a long-term buy-to-let strategy.
The product targets refurb-to-let approaches such as BRR and BRRR, responding to growing demand from landlords looking to improve asset quality, rental yields and long-term portfolio resilience.
Opportunities remain widespread across England, Wales and Scotland in properties requiring modest refurbishment rather than major redevelopment.
Refurb BTL combines acquisition, refurbishment and long-term funding into a single facility.
Traditionally, these projects have required a short-term bridging loan followed by a refinance onto a standard buy-to-let mortgage, increasing cost, complexity and execution risk.
By funding both stages under one structure, Refurb BTL provides greater certainty from the outset, reduces reliance on future refinancing and helps brokers align finance more closely with a client’s end strategy.
DAY ONE ASSURANCE
Michael Allison (main picture), commercial director at Roma Finance, 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 is available for projects where refurbishment costs account for up to 25% of the day-one property value. By avoiding a separate refinance, it helps reduce exposure to valuation risk and potential funding shortfalls caused by market movement.
REDUCED EXPOSURE
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 forms part of Roma Finance’s PRO range and is delivered through its FLOW process. Loan sizes range from £75,000 to £500,000, with a minimum property value of £100,000 and terms of up to 36 months. The product is available across England, Wales and Scotland, with all borrower entities considered.
The launch reflects wider private rented sector trends, as landlords focus on upgrading existing stock while seeking funding solutions that simplify delivery and support long-term investment planning.
