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How lending works

Octopus Real Estate lends to borrowers, typically property professionals, in need of property loans.

Octopus Real Estate: a lender borrowers love

The loans on the Choice platform are sourced from Octopus Real Estate, who have lent £4 billion through various products offered by Octopus Group, including Octopus Choice.

Please remember, past performance isn't a reliable indicator of future results.

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3,400 +

Loans funded via Octopus Real Estate

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69 +

Dedicated property professionals in the team

Since 2009 Octopus Real Estate have lent £4 billion to landlords, property developers and property investors, and lost less than 0.02% (as of 30th June 2019)

3x Development Finance Provider of the Year

Business Moneyfacts 2016, 2017 & 2018

2x

Development Lender of the Year

Bridging and Commercial 2017 & 2018

5x

Bridging Lender of the Year

Bridging & Commercial 2012, 2013, 2016, 2017 2018

2x

Finalist Lender of the Year

Estates Gazette 2017 & 2018

How a loan becomes an investment

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1

Application

A borrower applies to Octopus Real Estate for a loan.

2

Underwriting

Octopus Real Estate's credit team conduct thorough due diligence.

3

Initial funding

If approved, Octopus will fund the loan in full.

4

Investment

The loan is then sold on in parts to Octopus Choice investors.

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Who are the borrowers?

Borrowers who use Octopus Real Estate tend to be experienced property professionals who need a level of speed, flexibility and certainty that more traditional lenders can't generally provide.

Typical borrower scenarios include...

  • Professionals looking to buy a property in cash at an auction, before selling it on later.

  • Creditworthy expatriate borrowers who want to extend their UK buy-to-let portfolio.

  • Those looking to borrow against slightly less typical properties — for example above a commercial unit.

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Want to know more about the loans we make?