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.

A new choice for thriving companies

  • Your capital is at risk. You may get back less than you put in
  • Targets less volatility than the stock market
  • Investments can be affected by property market downturn

Read out risk statement here.

Want to find out more?
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Call 0800 294 6848 to speak to a member of the Octopus Choice team.

Looking to boost your balance sheet?

Looking for an investment opportunity, with less of the ups and downs of the stock market?

Octopus Choice lets your business target an interest rate of 4% gross a year by investing – alongside the First Loss – in a portfolio of loans secured against property.


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.

Another way to make your money work harder

Let us do the hard work

We’ll build a portfolio for you. All loans on the platform are arranged by Octopus Real Estate.

You'll get diversification

Your portfolio will have diversification across a range of the following: geography, loan term, loan-to-value and borrower type.

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, Octopus Real Estate has lent £4.2 billion to landlords, property developers and property investors, and lost less than 0.02% (as of 31th August 2019).

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 the experienced lending team, Octopus Real Estate.

All our loans are:

  • Asset-backed: secured against property
  • Conservative: maximum ‘loan-to-value’ ratio of 76%
  • Short-term: maximum term of five years
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An investment company with a difference

Octopus Investments provides award-winning services and products to investors and financial advisers across the UK. Octopus Investments Limited is part of a broader group of Octopus companies, together we currently manage £8.6 billion on behalf of customers. Customers tell us our innovative approach means we give them options they don't find anywhere else.

We are the market leader in venture capital trust and inheritance tax investments. We also offer a range of investment funds that draw on our deep experience in smaller company and multi-manager investing.

Octopus Choice, the peer-to-peer product that lets you invest in property-backed loans, is offered through Octopus Co-Lend. Through Octopus Co-Lend we also provide Octopus Cash, an easy-to-use cash management platform that advisers can use to get investors top tier savings rates.