Octopus Real Estate

Award-Winning Finance Providers

Octopus Real Estate is an award-winning specialist finance provider, helping property investors and developers across the UK complete their projects, fast. 
As of writing, they possess over £3.7 billion under management on behalf of institutional and retail investors, with a focus on the property lending and healthcare sectors. 
Their property lending team provides bespoke, customer-focused financing solutions across the residential, commercial and development sectors. The team provides competitively priced financing throughout the UK and spanning the property investment lifecycle, with loans typically ranging from £100,000 to £50 million. Their healthcare team manages over £1.8 billion of investments, with a focus on care homes and retirement communities – sectors requiring significant investment given the UK’s ageing population. Their team also creates strategic partnerships with leading healthcare operators, to deliver exceptional healthcare facilities. 

Residential Lending with Octopus

Refurbishment loans 

Their refurbishment loan solution is designed to support borrowers who are modernising or retrofitting secondary residential assets, funding up to £200k of works including: 

  • Full internal refurbishments including knock throughs for open plan living space 
  • Extensions 
  • Loft conversions 
  • HMO conversions 
  • Commercial to residential conversions 
  • House to flats conversions 

Residential bridging loans 
Their clients on occasion urgently require finance, or their clients may have long-term refinancing in place, but need more time before their other lender is ready. Octopus Real Estate also provides a loan on a property that a client of theirs lives in, plans to live in or can’t sell before completing a new purchase. 

Buy-to-let lending 
Octopus Real Estate’s specialist team will take the time to understand a landlord’s portfolio, then using a combination of qualifying criteria, provide simple buy-to-let solutions that fit landlord needs. 

Enviro-let loan: 
Octopus Real Estate Enviro-let product has been designed to support landlords who are interested in improving the EPC rating of their property to improve energy efficiency, reduce utility costs, and make their property more attractive to prospective tenants and future buyers. 

Commercial Lending with Octopus

Commercial loans 
Their specialist team, including chartered surveyors, have decades of experience in structuring loans for clients. Broad capabilities include: 

  • Lending for projects from industrial wharfs to 5-star hotels 
  • Funding acquisitions, refinances and equity release 
  • Vacant assets and turnaround scenarios 
  • Where applicable they can also provide VAT loans 

Pre-approved auction loans 
Any mismatch between the time to complete an auction purchase and the approval of a traditional loan can be a challenge. To solve this, Octopus Real Estate developed the UK’s first pre-approved commercial auction product. Launched with Acuitus, it’s available when buying commercial property at Acuitus auctions. 

Development-Lending with Octopus

Greener Homes Alliance 
Octopus Real Estate provide discounted development finance to support housebuilders in the UK to build high-quality energy efficient homes achieving a SAP score of over 85, equivalent to an EPC of B and above. 

Since 2013, Octopus Real Estate’s development finance has supported the construction of over 6,500 new homes. They work with brokers and developers all over the UK, and have a strong background in this area. Lending provided for the construction of small housing developments through to large residential and student accommodation schemes.

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