Bespoke Development Finance & Joint ventures
Finance Built Around Your Project.
Roffa is a boutique lender providing tailored development finance for new build and refurbishment projects across the South East and beyond. We take 1st charge, move quickly, and work closely with every borrower.
Who We Are
A lender that knows property.
Roffa was founded to fill a gap in the market — a lender small enough to care about every deal, experienced enough to move with confidence. We're based in Rochester, Kent, and we lend across the UK.
We provide development finance for new build residential and commercial projects, as well as refurbishment and conversion schemes. Every loan is structured around the project, not a template.
The Process
How It Works
From initial enquiry to drawdown and exit — a clear, straightforward process.
Initial Enquiry
Tell us about your project — site, scheme, loan requirement and timeline. We will come back to you to discuss further.
Assessment & Terms
If the project looks suitable, we issue indicative terms for your consideration. These are not a commitment to lend.
Legal & Valuation
We instruct an independent valuation and carry out legal and credit due diligence. All lending is subject to satisfactory completion of this process.
Drawdown & Monitoring
Funds are released in agreed tranches as your build progresses. We hold 1st charge throughout and work closely with you.
Repayment & Exit
On completion, you refinance onto a long-term product or sell. We release our charge and the relationship continues for your next project.
What We Lend On
Finance We Provide
We consider a range of development finance requirements on a case-by-case basis.
New-Build Development
Ground-up residential development, from single dwellings to multi-unit schemes. We lend against the site and fund the build in agreed tranches.
Heavy Refurbishment
Substantial works to existing residential or commercial property requiring development finance rather than a standard mortgage product.
Conversion Projects
Change-of-use schemes including commercial-to-residential, barn conversions and similar projects with a clear planning position.
For Developers
Fund Your Next Project
Whether you're building from the ground up or converting an existing property, Roffa can structure the right facility. We lend on merit, not just metrics.
For Investors
Lend With Roffa
Earn competitive, asset-backed returns by lending to Roffa. Your capital is secured by 1st charge on UK property development projects — tangible security, transparent terms.
Discuss Your Project
Every project is different. Tell us about yours and we will come back to you with a clear, honest assessment — no obligation on either side.