Current Rates
Octopus Real Estate Bridging Rates - October 2026
| Product Type | Rate (from) | Max LTV | Charge | Notes |
|---|---|---|---|---|
| Prime Residential | 0.55%/mo | 65% | 1st | Best Rate |
| Standard Residential | 0.65%/mo | 75% | 1st | 65–75% LTV band |
| Development Exit | 0.60%/mo | 75% | 1st | Specialist Strength |
| Commercial Property | 0.65%/mo | 70% | 1st | Including mixed-use |
| Second Charge | 0.85%/mo | 65% | 2nd | Subject to 1st charge consent |
| Complex / SPV / Offshore | Bespoke | 70% | 1st | Priced Individually |
Fees & Terms
Octopus Real Estate Arrangement Fees & Key Terms
| Fee / Term | Detail |
|---|---|
| Arrangement Fee | 1.5%–2.0% of loan (typically added to loan) |
| Minimum Loan | £1,000,000 - deals below this are declined |
| Maximum Loan | £50,000,000 (genuine appetite, not theoretical) |
| Maximum Term | 24 months |
| Exit Fee | Nil to 1% - confirmed at offer stage |
| Valuation | Borrower's cost - RICS Red Book required |
| Legal Fees | Borrower covers Octopus's legal costs |
| Interest Calculation | Retained, rolled, or serviced - case by case |
Where Octopus Excels
Octopus Real Estate's Core Strengths
Octopus Real Estate is not the right fit for every borrower - the £1m minimum rules out a large part of the market. But for the right deal, they are genuinely difficult to beat.
| £50m True Appetite | The only UK bridging lender with genuine, documented appetite to £50m on a single transaction. Not a theoretical maximum. |
|---|---|
| Development Exit Specialist | One of the most competitive lenders for developers needing to refinance completed or near-completed stock while awaiting sales. |
| Complex Structures | Joint ventures, SPVs, offshore borrowers, and multi-security packages - they have dedicated credit expertise where most lenders step back. |
| Prime London Expertise | Strong track record on super-prime and prime London residential assets. They understand high-value markets that other lenders price cautiously. |
| Experienced Credit Committee | Decisions are made by credit officers who understand property. Submissions presented by a specialist broker receive a considered, commercial response. |
| Bespoke Pricing Above £5m | For loans above £5m, Octopus prices individually. This often means a better rate for a strong deal than a published tariff would suggest. |
Suitability
Who Should Consider Octopus Real Estate?
Octopus Real Estate is well-suited to:
- Developers needing a development exit bridge on completed or near-completed residential schemes
- Investors acquiring prime London residential above £1m where speed and certainty of execution matter
- Transactions involving SPVs, joint venture structures, or offshore holding companies
- Commercial property acquisitions or refinances where the deal complexity exceeds other lenders' appetite
- High-net-worth individuals needing a large, fast bridging facility against a trophy asset
If your loan requirement is below £1m, Octopus Real Estate will not be able to assist. Doulton Bridging Finance has access to 130+ lenders and can identify the best option for smaller transactions.