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