Octopus Property

Octopus Property provides debt funding to investors and developers in the UK across the full property lifecycle, from short-term Bridge finance to medium-term Development finance and longer-term Buy To Let (BTL) and Commercial Term loans.

Octopus' wide range of products, spanning the Residential and Commercial sectors, means they can back clients for the long term. They’re not a bank, so they’re not constrained by lending limits or rigid criteria on who they can lend to. Their capital is discretionary, and they have the flexibility to structure a deal around the needs of your clients, however unconventional those might be.

Octopus BTL Product Range

  • Up to 75% LTV available
  • ICR's from 100% (top slicing available)
  • No minimum income
  • Fixed rates available
  • Available to portfolio, experienced and first time landlords
  • First time buyer/First time landlords accepted
  • Available for standard BTLs, HMOs, Multi-Units and Semi-Commercial properties
  • Ex-local, balcony access, high rise and other quirky assets considered
  • Loans from £150,000
  • Available to non-UK nationals
  • Available to individuals, expats, UK SPVs (inc. Gibraltar & Channel Islands), LLPs, Offshore Ltd Co's and Trusts
  • Adverse accepted and all cases individually assessed
  • No ERC within last month of fixed rate period

Octopus Commercial Investment Mortgage Product Range

Octopus lend against most types of commercial property in the UK, including land with planning, vacant properties and active management strategies. Octopus pride themselves on speed of execution, flexibility in structuring loans and reliability to complete when they say they will.

  • Up to 65% LTV available
  • Available on Interest-Only
  • Terms from 2-5 years
  • Loans from £500,000 to £2,500,000
  • ICR at 100% of rental income
  • 5.5% fixed for term of loan
  • All types of let commercial property considered

Octopus Bridging Product Range

Octopus Property has been the leading Short-Term Specialist lender for almost a decade, in which time both their team and lending capacity have grown significantly. Bridging loans were Octopus' first-ever product, and they have since diversified into a full range of residential & commercial lending solutions, including development, refurbishment, Bridge to Let and Buy to Let.

  • Up to 70% LTV
  • Regulated bridging up to 65% LTV
  • Terms from 1 to 23 months (1 to 12 if regulated)
  • Bridge to Let & Developer Exit terms from 24 to 36 months
  • Loans from £500,000
  • Properties anywhere in England
  • Adverse credit considered and individually assessed
  • Available on residential and commercial properties
  • All commercial property types considered (except operational healthcare assets)

Octopus Development Product Range

Octopus offer certainty, reliability and always work quickly. They can issue terms within 24 hours and complete within four to six weeks whilst keeping rates competitive. That, along with a straightforward lending approach and unrivaled customer service, has made them a market leader.

  • Up to 70% LTGDV (loan to gross development value)
  • Up to 85% LTVC (loan to cost)
  • Terms from 12 to 36 months
  • Loans from £500,000
  • Ground up developments, commercial to residential conversions, single to multi-use conversions and heavy refurbishment
  • Suitable for developers with experience in similar projects

To discuss Octopus Property's BTL Range call our sales team on 01403 272625 (option 2) or to discuss Octopus Property's Bridging and Commercial range call our Bridging and Commercial sales team on 01403 272625 (option 4)