Your capital is at risk – read our risk statement for more details or dismiss.

Invest in peer-to-peer loans backed by property

Target an interest rate of 4% gross a year
No fixed-term: ask to withdraw at any time (instant access isn't guaranteed)
Get started from just £10
Your capital is at risk. You may get back less than you invest

How it works

Current target
interest rate per
year (gross):

4.0%

Investing with Octopus Choice

Octopus Choice is a peer-to-peer platform. We put your money to work by lending it to lots of different borrowers, securing these loans against property. The interest they pay then combines to give you a personal rate.

Remember, Octopus Choice puts your capital at risk. You may get back less than you invest. You should understand the risks before investing.

Target interest of 4% a year

Variable interest of 4% per year, paid monthly. You can even include it within your Innovative Finance ISA (IFISA), too.

Your money is at risk

Octopus Choice invests your money in loans to borrowers. We can't guarantee investors will get all of their capital back, or earn all of their interest.

Bricks & mortar security

All loans are secured against a property, which can be sold if a borrower can't repay the loan.

Property market exposure

If a property needs to be sold, the amount recovered could be affected by a downturn in the property market.

First Loss

The first 5% of every Octopus Choice loan is covered by First Loss, consisting of Octopus and an institutional investor. You'll get your money back before First Loss and earn your interest first too.

Instant access isn't guaranteed

Withdrawing means selling your investments to other investors. We'll aim to give you access quickly, but we can't make any guarantees.

Lending track record

All loans are sourced by Octopus Real Estate, an experienced lender that has lent nearly £4 billion since 2009.

Your investment is not protected by the FSCS

Peer-to-Peer lending is not covered by the Financial Services Compensation Scheme (FSCS). Your capital and interest are at risk.

How it works

Download brochure

General account or IFISA account: the choice is yours

General account

£10 minimum, no maximum.
Option to set up monthly investments from your debit card.
Re-invest your interest, or have it paid into your bank account. Neither capital nor interest is guaranteed.

How Choice works

IFISA account

Same investment, just within an IFISA.
Earn tax-free interest on investments within your annual ISA allowance. Tax treatment depends on individual circumstances and may be subject to change.
Option to transfer in existing ISAs – up to your annual allowance. Don't forget, the Choice IFISA has a different risk profile to a traditional cash or stocks and shares ISA.

How Choice IFISA works

Octopus Choice on the go

You can manage your account with our
app available on iOS and Android.

Enter your number

Don’t worry, we won’t hold or use your data for any other purpose. Remember, peer-to-peer investments place your capital at risk.
The value of your investment and any income from it, can fall or rise. You may not get back the full amount you invest.

Investing

IFISA

Risks

About