Octopus Choice is not covered by the FSCS – your capital is at risk. Read our risk statement for more details, and to close this window.

Peer-to-peer lending, the way it should be

  • We invest alongside you
  • Backed by bricks and mortar
  • Get started in seconds with just £10

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

Current rate

Based on a rate of [4.0%]. Please note that interest is variable and returns are not guaranteed. You may get back less than you put in.

An easy way to make your money work harder
Let us do the hard work

We’ll build a portfolio for you. All loans chosen by our lending team.

We’ve got skin in the game

We invest 5% in each and every loan. Your money’s protected ahead of ours.

It’s simple & flexible

Set up regular investments. Re-invest monthly interest. Ask to withdraw at any time.

Because your money is invested in loans, we can’t guarantee instant access. See our risk statement for more details.

Since 2009, our lending team has lent over £2.5 billion and lost less than 0.1%.

Past performance is not a reliable indicator of future results.

Your money helps property professionals do what they do best

Our borrowers tend to be property professionals who need fast and flexible lending decisions. Each and every one is thoroughly vetted by our experienced lending team.

All our loans are:

  • Asset-backed: secured against property
  • Conservative: maximum ‘loan-to-value’ ratio of 76%
  • Short-term: maximum term of five years

Read our FAQ to learn more

An investment company with a difference

We are proud to be part of Octopus. Since 2000, Octopus has earned the trust of 50,000 investors with products that do what we say they will.
Its property lending team, Octopus Property, has lent billions across thousands of loans, and won pretty much every award there is going.

Past performance is not a reliable indicator of future results.

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