Real estate lending

Finance for every stage of a building’s life

Supporting every stage of real estate

We lend across the lifecycle of a building – covering land acquisition, planning, development, refurbishment and more. Our commercial, development and residential teams work together to deliver fast, flexible finance tailored to each client.

Our specialisms

We lend across bridging, development & refurbishment, and buy-to-let finance. Working closely with brokers and borrowers, we offer tailored loans with fast turnarounds, flexible terms, and innovative refinance options.

Reimagining real estate for a greener future

Greener Homes Alliance 

The Greener Homes Alliance supports housebuilders to create high-quality, energy-efficient homes. By meeting environmental and social criteria, developers can access discounted development finance – helping address both housing and sustainability challenges in the UK.

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Supporting brokers

We work closely with brokers to deliver a smooth experience – from first conversation to completion. With expert teams, a responsive approach and flexible funding, we help keep your clients’ plans moving. 


Non-bank lender

We use discretionary capital, giving us the flexibility to lend at speed and adapt to complex deals. 


Specialist expertise 

We lend across a wide range of niche sectors with strong governance and best practices. 


On-the-ground teams

Our Business Development Managers offer regional expertise backed by local valuers and credit teams.


Speed where it counts

We prioritise the completion date, not red tape, using streamlined processes and a dedicated case manager.


Flexible by design

Our loans evolve with your client’s needs, and we adjust terms as projects and markets change.

A team that delivers

With a 90-strong team and years of experience in specialist lending, Octopus Capital is a trusted finance partner across the UK. We’ve been early movers in emerging markets, recognised for our speed, flexibility, and customer-first approach – even during times of uncertainty.

What people are saying about us

Trusted by clients and brokers across the UK.

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Consumer Duty

We’re committed to delivering fair outcomes with transparency, clear documentation and full support throughout the lending journey. 

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FAQs

Find answers to common questions about our real estate lending services, loan types, interest rates, and more.

What is real estate lending?

It’s finance used to buy, build, improve or invest in property – from land acquisition through to development and long-term investment.

What types of loans do you offer?

We offer bridging loans, development finance, refurbishment loans, buy-to-let and Enviro-let mortgages, and pre-approved auction finance. 

What is your minimum loan size?

Minimum loan sizes vary depending on the type of loan. Please get in touch with our team for details.

What are your interest rates and fees?

Rates and fees depend on the loan type and your individual circumstances. You can find indicative pricing on our website or speak to our team for tailored information. 

How quickly can a loan be completed? 

We move fast. With the right documents in place, we can often complete in a matter of weeks.

What’s the difference between bridging and development finance? 

Bridging loans offer short-term funding, often used for purchases or refinancing. Development finance supports longer-term construction or major refurbishment. 

Do I need to pay for a solicitor? 

Yes, you’ll need to instruct a firm of solicitors to handle the legal work for your loan. 

Can I repay my loan early? 

Yes, you can redeem your loan early. Some products may include early redemption charges. These will be detailed in your loan agreement.

News & insights

Headshot of Daniel Hormaechea, Investment Manager at Octopus Investments Spain
Real estateNews
16 Jan 2025

Octopus strengthens investment team in Spain

Octopus Spain appoints Daniel Hormaechea as Investment Manager, strengthening its Madrid team. Reporting to Cristina Pérez Liz, he will focus on advancing living and healthcare strategies across Europe.
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