Compare Mortgage Rates from Octane Capital Against the Market starting at 2.7%

Octane Capital is a specialist lender that describes itself as a "Third Generation" lender. They are known for their "product-less" philosophy, meaning they don't rely on fixed criteria. Instead, they price every loan based on the specific risk of the deal.

Important Distinction: Octane Capital is primarily an unregulated lender. They do not offer residential mortgages or regulated bridging loans, their loans are strictly for investment purposes such as Buy-to-Let, commercial, or property refurbishment).

To compare other similar buy-to-let lenders you can use our free comparison tool below:

About Octane Capital

Launched in 2017 by the former founders of Dragonfly Property Finance (now Octopus Real Estate), Octane Capital was built to handle the complex loans that banks reject.

Their defining feature is Manual Underwriting. They do not credit score. A human being looks at every single application. This allows them to lend to people with complex finances, such as foreign nationals, those with adverse credit, or borrowers with very short deadlines.

Mortgage & Finance Products

Octane’s lending is designed for property investors and developers in England and Wales.

• Bridging Finance (Unregulated):

  • "Product-less" Bridging: Unlike most lenders who have a set "0.75% per month" rate card, Octane prices each bridge individually based on risk

  • Speed: They are incredibly fast, often completing loans in days for auction purchases or urgent refinances

  • No Exit Fees: On many of their bridging products, they do not charge a fee for paying the loan back early

• Buy-to-Let (BTL) Mortgages:

  • No Stress Testing (100% Cover): This is a unique selling point. Most banks require rental income to be 125% or 145% of the mortgage payment. Octane often accepts rental income at just 100% of the payment, which allows you to borrow significantly more money on low-yielding properties (like expensive London flats)

  • Adverse Credit: They accept borrowers with CCJs, defaults, and missed payments

  • Foreign Nationals: They are experts in lending to non-residents and expats with no UK credit footprint

• Refurbishment Finance:

  • 100% Cost of Works: Unusually, they can lend 100% of the refurbishment costs (in arrears), meaning you don't have to fund the building work from your own cash flow

  • Heavy Refurb: They finance complex projects, including converting houses into flats or commercial-to-residential conversions

• Developer Exit Loans:

  • Loans designed for developers who have finished a site but haven't sold the units yet. This loan pays off the expensive development finance and gives the developer more time to sell the properties at a better price

Pros and Cons of Octane Capital

Here is a balanced overview of choosing Octane for your project.

Pros:

• "Product-less" Flexibility: If your deal is weird, messy, or unique, Octane is one of the best lenders to talk to

• Borrowing Power (BTL): Their 100% rental cover calculation is a game-changer for landlords in the South East, allowing much higher loan sizes than high-street banks

• Speed: They are built for speed and can save deals that are about to collapse

• 100% Works Funding: Not having to find cash for the build costs is a major cash-flow benefit for property flippers

Cons:

• Unregulated Only: They cannot help you save your own home from repossession or bridge a gap for your personal house move

• Cost: Octane is a premium lender. Their interest rates are typically higher than high street lenders because they take on risks that others won't

• Intermediary-Only: You cannot deal with them directly; you must use a broker.

Customer Service and Reviews

Octane Capital has a stellar reputation in the professional property market.

• Trustpilot: They currently hold an "Excellent" rating (typically 4.9 out of 5). Reviews are overwhelmingly positive, often citing the speed of the process and the commercial "common sense" of the credit team

• Awards: They are serial winners of industry awards, frequently named "Best Bridging Lender" or "Specialist Lender of the Year"

How to Apply

You cannot apply to Octane Capital directly.

Via a Specialist Broker: You need a broker who understands bridging and commercial finance to act as an intermediary between yourself and Octane Capital. We can perform this role for you, as well as comparing Octane’s range against other suitable lenders to ensure you get the most suitable deal.

Get started now to speak to an expert in unregulated borrowing.