A closer look at how our peer-to-peer lending platform works.
Octopus Choice combines peer-to-peer technology with secured lending. This allows investors to target a return from property-backed loans.
Money is pooled from different investors and used to finance loans selected by Octopus Real Estate. An investor then owns 'loan parts' that combine to give a personal rate. Octopus Real Estate is an experienced property lending specialist which has lent over £4 billion to landlords, property developers and property lenders since 2009.
It’s important to remember that peer-to-peer lending puts your capital at risk. The value of your investment and any income from it can go up or down. So, you may not get back the full amount invested. We also can’t guarantee instant access to your money.
Peer-to-peer investments are not covered by the Financial Services Scheme (FSCS).
More infoChoose between General (gross interest) and IFISA (tax-free interest) accounts
Remember, your tax treatment is dependent on your individual circumstances and may change in the future
Choose how much to invest
Invest from just £10
We build your portfolio
We invest your money across a range of loans
Octopus Choice has no fixed term and you can request a withdrawal at any time. It’s important to recognise, however, that we can’t guarantee instant access to your investment.
Automatically reinvest your interest each month into open loans.
Or
If you’re looking for a regular income, you can choose to have it paid straight into your bank account each month.
Select a debit card and which day of the month you'd like your payment to be taken.
Skip individual months if you'd rather not invest at that time.
You can target interest from peer-to-peer investments using your annual ISA allowance.
Tax treatment depends on the individual circumstances and may be subject to change in future.
You can transfer your existing ISAs to an Octopus Choice IFISA. Remember, an IFISA likely has a higher risk level than your existing ISA. Find out more about the IFISA here.
Your money is invested in property-backed loans. The value of your investment and any income from it, can fall or rise. We can't guarantee you’ll get all your capital back or earn all your interest.
All loans are secured against property, meaning they can be sold if a borrower defaults.
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.
Withdrawing means selling your investments to other investors. This means instant access isn’t guaranteed.
All loans are sourced by Octopus Real Estate, an experienced lender that's lent over £4 billion to landlords, property developers and property investors, since 2009.
Peer-to-Peer lending is not covered by the Financial Services Compensation Scheme (FSCS). Your capital and interest are at risk.
Correct as at 30th September 2019.
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Drop us a message
support@octopuschoice.comCall our customer service team
0800 294 6848