Important: We have paused trading activity in Octopus Choice. As a result, we are not accepting new investments. We are not facilitating the sale of any loan parts that you hold, therefore withdrawals are limited to money from repaid loans or from monthly interest payments. For more information, read our statement here.

Invest in peer-to-peer loans backed by property

  • 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
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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.


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.


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.


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.

General account or IFISA account: the choice is yours