Octopus Capital

About Octopus Capital

Octopus Real Estate is part of Octopus Investments — one of the UK's most recognisable alternative investment managers — and has been active in the specialist property lending market since 2005. That makes it one of the longer-established non-bank lenders in this space, predating the post-2008 boom in alternative bridging lenders by several years. To date the business has lent over £5.7 billion across more than 4,100 loans, with a team of over 90 professionals across residential, commercial and development lending.

The group structure gives Octopus Real Estate advantages that smaller independent lenders can't match: institutional-grade compliance and governance, deep capital reserves, and the ability to fund large and complex transactions that require certainty. It has expanded its commercial lending since 2013, added development finance to its range, and launched the Greener Homes Alliance — a discounted development finance product for builders meeting energy efficiency criteria — that reflects the parent group's broader sustainability focus.

Bridging rates from 0.55% per month sit among the most competitive available from any non-bank lender in the UK. The regulated bridging product starts even lower at 0.45% per month for owner-occupied chain breaks and remortgages. Awards include Best Development Finance Provider at Business Moneyfacts 2016–2018 and Bridging Lender of the Year 2018 at the B&C Awards.

Bridging Loans from Octopus Real Estate

Octopus lends from £50,000 to £25 million on bridging, with terms up to 23 months and LTVs up to 70% (75% for unregulated residential). Rates from 0.55% per month on unregulated residential, and from 0.45% per month on regulated. Pre-approved auction finance is available. All loans are managed by a dedicated credit manager from enquiry to completion.

What Can Octopus Real Estate Finance?

• Residential bridging — purchase, refinance, auction, chain break
• Regulated bridging for owner-occupied scenarios
• Commercial bridging — including office, retail and mixed-use
• Pre-approved auction finance
• Development exit for completed and near-complete schemes
• Development finance — residential and commercial

How to Apply with Octopus Real Estate

Octopus Real Estate works through commercial finance intermediaries and directly with borrowers. Enquiries go to [email protected] or by calling 0800 294 6850. The team is based at 33 Holborn, London, and covers the whole of the UK including Scotland and Northern Ireland.