Real estate debt
Unlocking real estate value
Why invest in real estate debt?
Property is a core component of the economic engine. Debt financing is an effective way to kickstart a chain of positive transformation in the sector.
Private investment in real estate debt can help regenerate the UK. This can be achieved through making use of brownfield sites, repurposing obsolete buildings, or enhancing the built environment.
In turn, more affordable beds are delivered to the housing market, and more energy-efficient stock is brought to the market more quickly.
Unlocking real estate value
With a 4.3m shortage of homes in the UK, there is an ever-growing need to repurpose redundant buildings and regenerate brownfield land.
At Octopus, we are committed to being a catalyst for real estate transformation.
Our real estate debt strategy focuses on providing flexible funding to best-in-class borrowers for transitional real estate projects.
Watch our video to see Nightingale Quarter’s incredible transformation to a thriving modern community on the site of the former Royal Infirmary Hospital.
Our approach to investing in real estate debt
As a non-bank lender, we are uniquely placed to create value. We aim to capture significant upside potential through our ability to provide flexible transitional lending to high-quality borrowers.
Maximising potential
Lending against fully depreciated properties and land to increase upside potential, while managing risk.
Short-term lending
Minimising exposure to time-related risk, enhancing predictability for investors.
Sustainability
We are committed to creating value for people and the environment, alongside robust returns.
Kickstarting a chain of positive transformation
Property is a critical component of our economic engine. Our real estate debt strategy aims to enhance the built environment through:
Regeneration
Regenerating brownfield sites, repurposing obsolete buildings and enhancing the built environment.
Additionality
Delivering more high quality affordable homes to the market.
Energy efficiency
Retrofitting or bringing more energy efficient stock to market.
Explore our regeneration projects
At Octopus, we believe that finance can be a force for good. More than just loan providers, we act as catalysts for positive transformation, breathing new life into underutilised spaces and creating vibrant communities.
Explore our diverse range of case studies from across the UK, highlighting some of the regenerative projects we have supported through our transitional lending.
Meet the team
Ludo Mackenzie
Co-Head of Real Estate Debt
James Nunn
Investment Director
Sam Wisker
Investment Manager
Jenna Hollins
Investment Manager
Oliver Cookson
Investment Associate
“By focusing on refurbishment, repositioning and redevelopment, we can transform underused or neglected spaces into thriving places – creating jobs, boosting local economies, and providing much-needed homes.”
Ludo Mackenzie, Co-Head of Real Estate Debt at Octopus Capital
News & insights
10 Feb 2025
How transitional debt can transform properties, benefit communities and deliver returns
Transitional debt can unlock real estate potential – revitalising underused properties, supporting regeneration, and delivering strong returns. Discover how strategic funding fuels sustainable growth and community transformation.
2 Jul 2024
A catalyst for real estate transformation
With a 4.3m shortage of homes in the UK, there is an ever-growing need to repurpose redundant buildings and regenerate brownfield land. At Octopus,…
26 Jun 2024
Powering the UK’s regeneration: How transitional lending can drive progress
Discover how transitional lending is revitalising the UK, with a focus on the Nightingale Quarter in Derby.
Want to explore our investment offering?
Get in touch to see how Octopus Capital could support your goals.