Octane Capital Reviews

Octane Capital offers flexible, short-term property finance with competitive rates, strong service, and high customer satisfaction, supported by an experienced team.

Here are the Trustpilot Reviews from Octane Capital:

Here are the Reviews from Octane Capital:

Octane Capital guided us smoothly!

Jessica Turner

Professional and quick loan service.

Michael Lee

Great rates and easy process.

Sophia Patel

Very responsive, highly recommend!

Ethan Brooks

Transparent terms, appreciated help.

Rebecca Chen

Simple application, fast decision.

Oliver Davies

Explore Octane Capital's Finance Solutions:

Residential Bridging Loan

£100,000 – £25,000,000

Commercial Bridging Loan

£250,000 – £25,000,000

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Explore Octane Capital's Finance Solutions:

Loan Type:

Residential Bridging Loan

Loan Range:

£100,000 – £25,000,000

Loan Terms:

3 – 24 months

Minimum Turnover and Trading Age:

No minimum trading requirement (asset-based)

Interest Rate / Factor Rate:

0.55% – 0.95% per month (interest rolled or serviced)

Fees:

2% arrangement fee; no exit fee; legal and valuation costs payable by borrower

Loan Type:

Commercial Bridging Loan

Loan Range:

£250,000 – £25,000,000

Loan Terms:

3 – 24 months

Minimum Turnover and Trading Age:

No stated minimum; asset-led underwriting

Interest Rate / Factor Rate:

0.7% – 1.10% per month

Fees:

2% arrangement fee; no exit fee on standard terms; valuation & legal costs payable

Loan Type:

Refurbishment Bridging Loan (Light, Medium & Heavy Works)

Loan Range:

£150,000 – £5,000,000

Loan Terms:

3 – 18 months

Minimum Turnover and Trading Age:

Project experience preferred but not mandatory

Interest Rate / Factor Rate:

0.60% – 0.95% per month

Fees:

2% arrangement fee; no exit fee; monitoring surveyor fees for heavy works

Loan Type:

Developer Exit Loan

Loan Range:

£500,000 – £25,000,000

Loan Terms:

1 – 12 months

Minimum Turnover and Trading Age:

Not specified; must be near or post practical completion

Interest Rate / Factor Rate:

0.55% – 0.85% per month

Fees:

1.5% – 2% arrangement fee; no exit fee

Loan Type:

Development Finance (Ground-Up)

Loan Range:

£1,000,000 – £25,000,000

Loan Terms:

Up to 24 months build plus 6 months sales period (30 months total)

Minimum Turnover and Trading Age:

Developer experience required; past scheme evidence requested

Interest Rate / Factor Rate:

Information not publicly available – typically accrued and added monthly

Fees:

1.5% – 2% arrangement fee; exit fee 1% of GDV or none if refinanced with Octane BTL; QS & monitoring costs payable

Loan Type:

Buy-to-Let Term Loan (“Third Generation BTL”)

Loan Range:

£150,000 – £10,000,000

Loan Terms:

2 – 30 years (interest-only or capital & interest)

Minimum Turnover and Trading Age:

No trading history required for SPV; income assessment via rental cover/top-slicing

Interest Rate / Factor Rate:

5.99% – 9.50% p.a. variable/fixed options (pricing tiered by LTV & borrower profile)

Fees:

2% arrangement fee; 5% early repayment charge year 1 tapering to 0% after year 5; valuation & legal fees apply

More About Octane Capital

Octane Capital Ltd is a UK-based specialist lender, established in 2017, focused on providing property finance solutions exclusively through brokers. Their products cater primarily to professional investors and developers. Offerings include bridging, refurbishment, development, developer-exit, and buy-to-let finance. Octane Capital may suit borrowers seeking high leverage, fast decisions, or flexible underwriting for more complex property deals. All products are unregulated and apply only to non-owner-occupied UK properties.

Octane Capital: Key Practical Features

Octane Capital structures its lending with a focus on flexibility and transaction speed. The lender uses manual underwriting, operates with institutional backing, and facilitates large or complex property loans via an intermediary-only model. Below are notable features for borrowers and brokers:

Broker-only access with a dedicated online portal for quick decisions and document tracking
Manual underwriting for case-by-case structuring – suited to unusual or complex transactions
No automated credit scoring, enabling pragmatic responses to challenging scenarios
No exit fees on standard bridging loans, helping borrowers control total funding cost
Capacity to fund large single loans up to £25,000,000 for qualifying assets and projects

Who Qualifies for Octane Capital Funding?

Eligibility at Octane Capital is based on the property asset and borrower profile, rather than trading period or minimum turnover. You may qualify if you have a suitable UK investment property, can provide first-charge security, and, for company applicants, are willing to offer personal guarantees. Owner-occupied residential purchases are excluded. All applications must be submitted via approved intermediaries.

Octane Capital: Loan Types and Main Terms

Octane Capital offers a broad spectrum of property loans for different financial strategies and asset types. The main loan options are:

Residential Bridging Loan: £100,000–£25,000,000. Terms: 3–24 months. Rates: 0.55%–0.95% per month. Up to 75% LTV. Flexible interest structures and no early repayment penalties.
Commercial Bridging Loan: £250,000–£25,000,000. Terms: 3–24 months. Rates: 0.7%–1.10% per month. Up to 70% LTV. Open to vacant and income-producing properties.
Refurbishment Bridging Loan: £150,000–£5,000,000. Terms: 3–18 months. Rates: 0.60%–0.95% per month, depending on works. Up to 75% LTV and staged funding for refurbishments.
Developer Exit Loan: £500,000–£25,000,000. Terms: 1–12 months. Rates: 0.55%–0.85% per month. Used to unlock equity from completed schemes awaiting sale.
Development Finance: £1,000,000–£25,000,000. Terms: Up to 24 months for build plus 6 months for sales. Up to 85% loan-to-cost, 65% loan-to-GDV, with milestone-based drawdowns.
Buy-to-Let Term Loan: £150,000–£10,000,000. Terms: 2–30 years. Rates: 5.99%–9.50% p.a. Up to 80% LTV, for single units and portfolios including HMOs and MUFBs.

How to Apply for a Loan with Octane Capital

To access Octane Capital products, shortlisted brokers submit proposals via the lender’s online portal. The process is typically fast—indicative terms may be available within hours and formal offers within 24–48 hours of receiving all documentation. Completions are usually possible in 7–10 working days, subject to property and legal checks. Borrowers need to provide asset details, ID, proof of address, valuation reports, and evidence of exit strategy for bridging or refurbishment loans.

Engage a broker to initiate your application and submit through Octane’s digital portal
Gather key documents: property asset details, borrower ID, valuation, and exit strategy evidence
Review credit-backed terms typically available within 1–2 days of full document submission
Sign and complete with required legal and security paperwork before funds release

Funding Agent’s Review Perspective

Octane Capital occupies a niche with high-leverage, flexible loans tailored for experienced investors and developers needing speed or bespoke structuring. While rates and fees exceed traditional banks and personal guarantees are standard, the lender is often suitable where time limits, property types, or complex situations rule out conventional finance. Next, you may compare similar lenders or use an eligibility checker to assess your options before proceeding through an approved intermediary.