The Smartest Property Investors Will Borrow in 2026 to Beat the Market with Charlotte Rutter

Apr 2, 2026

In this episode, Charlotte Rutter discusses how smarter borrowing strategies can empower property investors to thrive in 2026 and beyond. She explains the role of creative finance options like revolving credit, buy-to-let products, and development finance in helping investors build profitable portfolios despite economic challenges. Drawing from her experience at Roma Finance, Charlotte breaks down the nuances of leveraging finance and introduces a new innovative lending product aimed at investors.

Charlotte Rutter is a Head of Partnerships and Marketing Manager at Roma Finance, specialising in tailored lending solutions for property investors. With extensive experience in creative financing, Charlotte helps investors navigate the complex property market and maximise their returns.

 

Expect to Learn:

• How smarter borrowing can shape the future of property investment.

• The role of revolving credit in property transactions.

• Why traditional buy-to-let lending may not be enough for some investors.

• Insights into creative property strategies, including refurb buy-to-let.

• How to build a successful property portfolio using the right finance products.

 

Episode Breakdown with Timestamps:

• [00:00] – Introduction

• [02:20] – Why Buy-to-Let Is Still Thriving  

• [05:09] – What Is Revolving Credit & How It Works  

• [10:01] – Real-World Examples of Using Revolving Credit  

• [11:55] – The New Refurb Buy-to-Let Product Explained  

• [16:00] – Planning, Professionalism & Avoiding BRR Pitfalls  

• [20:00] – Bridging Finance: Terms, Costs & Market Changes  

• [24:23] – Risk, Pricing & Why the Cheapest Rate Isn’t Always Best  

• [26:59] – The Story Behind Roma Finance & Relationship Lending  

• [32:47] – How to Look Good to a Lender (And Vet Them Too)  

• [38:42] – Development Projects, Eco Homes & Site Visits  

• [46:43] – The UK Housing Crisis & Retrofit Opportunities  

• [54:25] – Final Insights: Professionalism, Confidence & Creative Strategy

 

Follow the Guest Charlotte:

• LinkedIn: https://uk.linkedin.com/in/charlotte-rutter-20154211

• Company LinkedIn: https://www.linkedin.com/company/roma-finance/

• Company Website: https://romafinance.co.uk/

 

Follow the Host Vicki:

• LinkedIn: https://www.linkedin.com/in/vickiwusche/ 

• Facebook: https://www.facebook.com/VickiWusche 

• Instagram: https://www.instagram.com/vicki_wusche/ 

• Book a Call: https://bit.ly/BookVicki 

• Scorecard: https://vickiwusche.com/Scorecard 

• The Values Manual: https://bit.ly/ValuesManual

 

Listening Links: 

• Youtube:https://www.youtube.com/VickiWusche 

• Apple Podcast: https://podcasts.apple.com/nz/podcast/a-wealthy-life/id1617293196 

• Spotify: https://open.spotify.com/show/13lVRTAioD5mR4XUiylAk8
  
  

Escape the 9-5 through property - A complete course by Vicki Wusche: https://bit.ly/EscapeThe9-5NOW