Octane Capital is a UK-based specialist lender founded in 2017, providing a range of banking products and services to SMEs, property professionals and consumers, including bridging loans.

Since launch, they have lent over £1.5 billion across more than two thousand different loans, focusing on complex cases and profiles.

In this review, I will take a closer look at Octane, detailing their products’ key features, eligibility criteria, application process, rates and reviews to help you decide whether they are the right option for your bridging financing needs.

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  • Rates
  • Range of Finance Options
  • Maximum Loan Size
  • Application Process
  • Customer Service

Octane Bridging

Octane offers a range of bridging loans from £200,000 to £25,000,000 for both residential and semi-commercial needs.

These loans can be used to quickly secure property purchases, fund refurbishments, raise capital, or refinance existing loans.

Key features include

  • Bridging loans from £200,000 up to £25,000,000, with up to 70% LTV available
  • Rates start from 0.36% (+BBR) per month for terms up to 18 months
  • Flexible on borrower profile
  • Flexible on interest payment methods
  • First-time buyers accepted
  • Rates are indexed on the Bank of England’s
  • Quick completion process
  • Same-day credit backed terms
  • Experience is not always required for refurbishment loans
  • No exit penalties

Overall, Octane has an excellent reputation. The application process is simple, the team is helpful, and a good number of cases are accepted, even when borrowers have a complex credit profile.

What are the Eligibility Criteria for an Octane Bridging Loan?

Bridging Criteria

Amount£200,000 to £25,000,000
Residential LTVMax. 70%
Commercial LTVMax. 65%
TermUp to 18 Months
Interest RepaymentRolled-up, Serviced or Retained
Exit Penalties
Accepted SecuritiesAll types of residential property / Semi-commercial property / Commercial property / MUFBs / HMOs / Student lets
Adverse Credit

Buy-to-Let Criteria

Amount£150,000 to £25,000,000
Max. LTV75%
TermUp to 5 years
Interest RepaymentRolled-up, Serviced or Retained
Accepted SecuritiesAll types of residential property / Semi-commercial property / MUFBs / HMOs / Student lets
Adverse Credit

Refurbishment Criteria

Amount£200,000 to £25,000,000
Max. LTV75%
Max. GDV70%
Interest RepaymentRolled-up, Serviced or Retained
Accepted SecuritiesAll types of residential securities / Semi-commercial properties / MUFBss / HMOs / Student lets / Offices with permitted development / Commercial assets with residential planning permission

Developer Exit Criteria

Amount£150,000 to £25,000,000
Max. LTV75%
TermUp to 18 Months
Interest RepaymentRolled
Accepted SecuritiesMulti-unit residential schemes / Semi-commercial schemes / Completed permitted development schemes / No max unit value / Will take commercial views on availability of warranties / Pre or post marketing launch

Application Process for Octane Bridging

The application process for an Octane bridging loan is extremely simple. It all starts with filling out an enquiry form.

octane form

Enquiry – Send the filled-out form to Octane by email or fill it out directly from the website.

AIP – The broker completes the form. Your signature is not required at this point.

Offer – If you meet the loan’s requirement, Octane will issue credit-back terms within a day, instruct solicitors, and start the valuation process.

Legal – Octane’s solicitors will issue the formal loan offer.

Completion – The funds are released, and the procuration and broker fees are paid on the same day.

The front-end process is quick and straightforward, with minimal information needed upfront. More due diligence comes before formal approval.

Octane Rates

Loan TypeRates FromMax. LTVApply
Bridging Loan0.36% pcm + BBR70%More Info
Buy-to-Let LoanVariable75%More Info
Refurbishment0.38% PCM + BBR70%More Info
Developer Exit0.36% PCM + BBR70%More Info


Valuation FeeUsed to calculate how much we will lend youVariable based on 3rd party cost
Legal FeeLegal fees and costs as part of the sollicitors’ work on behalf of the lenderVariable based on 3rd party cost
Re-Inspection Admin. FeeCharged if your loan has a works facility£295
Unpaid Direct DebitPayable when your nominated bank rejects a direct debit
Property Related CostThis fee covers the cost of contacting you for non-payment of
property related costs

You can find the full list of Octane fees here.

Octane Reviews & Ratings

octane reviews

Overall, Octane Capital receives very positive reviews, earning an ‘Excellent’ TrustScore of 4.7 out of 5 based on over 90 reviews on Trustpilot and 5 our of 5 on Google Reviews, based on 6 reviews.

The majority of reviews rate Octane 5 stars. Customers praise the easy application process, and fantastic customer service. Many note getting loan approval within 24 hours.

The negative reviews mainly relate to case denials and delays, but they are limited compared to the overwhelming positive feedback.

In summary, reviews indicate high customer satisfaction with Octane’s lending services, owing to fast processing, flexible terms, and helpful staff. While a minority of customers have faced challenges, my overall sentiment toward Octane is very favourable.

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Octane Capital FAQs

What Types of Properties Are Eligible for Octane Capital’s Bridging Loans?

Octane Capital provides bridging loans for all types of residential and semi-commercial properties​.

Who Can Apply for Octane Capital’s Bridging Loans?

What Purposes Can Octane Capital’s Bridging Loans Serve?

How Are Octane Capital’s Bridging Loan Applications Structured?

Are There Any Specific Pre-planning Bridging Loan Options Available?