Octopus Capital (Octopus Real Estate): products, terms and eligibility

Octopus Capital (Octopus Real Estate) is a UK provider of bridging loans. The legal entity named on its site is Octopus Investments Limited (Octopus Real Estate and Octopus Capital are trading names), company number 03942880. It is based in London. It is part of Octopus Group.

Octopus Capital is the institutional asset management brand of Octopus Investments Limited (03942880), part of the Octopus Group; its site shows it launched under that name in May 2025. Its real estate lending covers bridging, development and buy-to-let finance, alongside real estate investment, infrastructure and energy, and private debt. It says it has a 90-strong team and local valuers and credit teams across the UK.

In its own words on scale:

• Says it has a 90-strong team (own statement, October 2026).

Everything on this page comes from what Octopus Capital (Octopus Real Estate) publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Octopus Capital (Octopus Real Estate) publishes 3 products for UK businesses. The table above gives the amounts and terms as it states them.

• Residential bridging: regulated: Secured on a home the client lives in or intends to live in; max LTV 65%.
• Residential bridging: unregulated: For property investors; max LTV 70%.
• Commercial bridging: Acquisitions, refinances, equity release, turnaround and vacant properties.

Residential bridging: regulated

Bridging secured on a borrower’s current or intended primary residence, up to 65% loan-to-value and up to 12 months. It carries the warning that a home may be repossessed if repayments are not kept up.

Residential bridging: unregulated

For property investors, up to 70% loan-to-value over 1 to 23 months, with standard loans of £50,000 to £1 million. Uses include acquisitions, refinancing, chain breaks and equity release on residential property. Its page says early redemption is permitted, subject to the charges in the loan agreement.

Commercial bridging

Loans from £1 million, up to 70% loan-to-value, on retail units, offices, industrial estates and wharfs, hotels and serviced apartments, purpose-built student accommodation and land with planning permission. It says its capital is discretionary and that borrowers typically exit by refinancing or selling.

Octopus Capital (Octopus Real Estate) says its finance is used for:

• Property acquisitions
• Refinancing
• Chain breaks
• Equity release on residential property
• Commercial property purchase

Sectors and business types it says it funds:

• Property investors
• Commercial property including retail, offices, industrial, hotels and student accommodation

Octopus Capital (Octopus Real Estate) publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• Regulated bridging is for clients borrowing against a home they live in or intend to live in.
• Unregulated bridging is for property investors.
• Commercial: retail units, offices, industrial estates and wharfs, hotels and serviced apartments, purpose-built student accommodation, land with planning.
• Applications go through an Agreement in Principle, with enquiry forms for individuals, regulated individuals and companies.

Octopus Capital (Octopus Real Estate) describes its process like this:

1. Submit an agreement in principle through the enquiry form.
2. Complete the full application with supporting documents.
3. An independent valuation is carried out by an approved panel valuer.
4. An offer is issued and the client’s solicitor reviews it.
5. Funds are released on completion.

Information it says it asks for:

• Supporting documents for the full application (not itemised)
• The site provides a rates and criteria guide, legal fee scale and tariff of charges

Every application is subject to status and the lender’s own criteria at the time.

A bridging loan is short-term borrowing secured on property, used to bridge a gap until a sale or longer-term finance completes. Interest is often rolled up or retained and repaid with the loan at the end, so the plan for repaying it, known as the exit, matters as much as the property.

Lenders lend up to a share of the property’s value and will want to see that exit. Bridging costs more than long-term borrowing, so it is worth understanding how lenders differ before you compare offers.

Points Octopus Capital (Octopus Real Estate) publishes that are worth knowing:

• Loans are secured on property; on regulated loans your home may be repossessed if you do not keep up repayments.
• Early redemption is possible but early redemption charges may apply depending on the loan product.
• Says its commercial lending is 100% discretionary with no third-party sign-offs.
• Acceptable exits include refinancing to new debt or selling the asset.
• Says it meets Consumer Duty requirements on its residential lending.

Security and guarantees

Loans are secured on property; regulated loans are secured against the borrower’s primary residence. Its residential page says early redemption is permitted, subject to charges in the loan agreement.

Octopus Capital (Octopus Real Estate)’s site states: “'Octopus Investments', 'Octopus Ventures', 'Octopus Real Estate' and 'Octopus Capital' are trading names of Octopus Investments Limited. Registered office: 6th Floor, 33 Holborn, London EC1N 2HT. Registered in England & Wales No 03942880.”

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of bridging loans with profiles here include One Stop Business Finance, Ortus Secured Finance and Reward Funding. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.