Octopus Bridging Loans: Complete Lender Review & Live Quote Comparison.

About Octopus Bridging Loans

Octopus Real Estate, part of Octopus Investments, is a leading specialist real estate investor and lender with a 90-strong team and years of experience in specialist lending. They are recognised for their speed, flexibility, and customer-first approach – even during times of uncertainty.

The team provides competitively priced financing throughout the UK spanning the property investment lifecycle, with loans typically ranging from £100,000 to £50 million. The’ve been early movers in emerging markets and have built a reputation as a trusted finance partner across the UK.

Why Choose Octopus Real Estate for Bridging Finance?

Substantial Scale: Over £1.8 billion under management across their investment portfolio

Expert Team: 90+ specialist professionals with deep market knowledge

Flexibility: Bespoke, customer-focused financing solutions

Speed: Fast-track service for urgent property finance needs

Innovation: Early movers in emerging markets with creative solutions

Reliability: Part of the established Octopus Group with proven track record

Octopus Bridging Loan Products

Residential Bridging Loans - Regulated

Perfect for owner-occupiers and those planning to live in the property.

Features:

  • From rate: 0.55% per month

  • Maximum LTV: 65%

  • Consumer protection under FCA regulations

  • Terms: 1-18 months typically

  • Suitable for chain breaks and quick purchases

Residential Bridging Loans - Unregulated

Designed for property investors with rates from 0.55% per month and maximum LTV of 70%.

Features:

  • Higher LTV ratios available

  • Faster processing times

  • More flexible criteria

  • Investment property focus

  • Portfolio landlord solutions

Commercial Bridging Finance

Specialized funding for commercial property transactions and business purposes.

Features:

  • Loan amounts from £100,000 to £50 million

  • Competitive commercial rates

  • Quick decision making

  • Mixed-use property acceptable

  • Business acquisition support

Development Finance

Octopus Real Estate supports developers with light development loans, senior development loans and stretched senior loans.

Features:

  • Range of loans from £1 million to £100 million

  • Planning permission pending acceptable

  • Refurbishment and conversion projects

  • New build developments

  • Fast turnaround times and flexible lending terms

Loan Criteria & Requirements

Minimum Requirements

  • Loan Amount: £100,000 minimum for most products

  • Property Value: £150,000 minimum typically

  • Term: 1-24 months available

  • Exit Strategy: Clear and realistic repayment plan

  • Security: First or second charge UK property

Acceptable Property Types

  • Residential houses and apartments

  • Commercial offices and retail units

  • Mixed-use properties

  • Development sites with planning

  • Properties requiring refurbishment

  • Healthcare and care facilities

  • Student accommodation

Typical Borrower Profiles

  • Experienced property developers

  • Professional landlords and investors

  • Business owners requiring rapid finance

  • Auction property purchasers

  • Property traders and flippers

  • Healthcare sector investors

Interest Rates & Fees

Competitive Rate Structure

Bridging loans generally fall between 0.5% and 1.5% per month with each loan priced on risk. Our rates vary based on:

  • Loan-to-value ratio

  • Property type and location

  • Borrower experience and track record

  • Exit strategy strength

  • Loan size and term

Typical Monthly Rates:

  • Prime residential regulated: From 0.55% per month

  • Residential unregulated: From 0.55% per month

  • Commercial properties: From 0.65% per month

  • Development finance: From 0.75% per month

Transparent Fee Structure

  • Arrangement Fee: Typically 1-2% of loan amount

  • Valuation: From £400 depending on property type

  • Legal Fees: Borrower covers both sides

  • Exit Fees: Minimal or none on most products

  • Monthly Interest: Rolled up or serviced monthly

Get in touch.

Discover how our dedicated bridging team at Doulton Bridging Finance can assist you with financing solutions tailored to bridge the gap. Our tailored service specialises in cases between £25,000 and £50 million. If you’re ready to look at the options fill out our form and we will be in touch to give you quotes. We find the best quotes for you from over 130 lenders. If you wish to call our phone number is 0204 6211776.