Lorraine Hart Cemap
Head of Credit Operations @Roma Finance
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WORK HISTORY
Head of Credit Operations @Roma Finance
Manchester, GB
EDUCATION
Stand College, Whitefield, Manchester
A Level French,German, English Literature
ABOUT LORRAINE HART CEMAP
Roma Finance LinkedIn Company Page – September 2019About usRoma Finance is an independent lender backed by a number of well-known blue chip UK financial institutions and we are members of the main industry trade bodies including FIBA, NACFB and the ASTL.We provide fast, short term bridging loans at market-leading rates from £30k to £1.5m secured by 1st or 2nd charges on residential investment, commercial and industrial properties throughout England, Scotland and Wales.Our bridging finance can be used for property projects such as renovations, change of use, property auction purchases and developments, helping to maximise the returns from a project.We also offer a 5-year mortgage to acquire investment property, such as buy to let and HMO investments, or to exit a bridging loan. There are no income requirements, we can even use top slicing for affordability and we’ll consider first time landlords. There’s no 6 month rule on ownership and it can be used to for capital raising on the next investment property project.By re-inventing the bridging market with the latest technology and slick systems we can complete most cases within just 7 days, much quicker than the industry average on use new cutting edge technology, including Open Banking, to simplify and speed up the application process. We have streamlined valuation and legal requirements so customers get their money quickly and our introducers get paid earlier.Other key benefits of working with us include:* We aim to issue an Agreement In Principle within 1 working hour * Up to 75% LTV, more with additional security* No exit fees on most cases* We underwrite the borrower before the asset, so often fund cases other lenders reject* We require limited information from introducers to make decisions - so the customer journey is streamlined* Introducers don\'t need to package cases like they do for other lenders, thereby earning more for less work!* Reliable underwriting decisionsTel: 01•••••••80; email: e••••••••@romafinance.co.uk
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