Octopus Investment Account
Octopus Choice

4.00% Gross
Projected Annualised Return*
£ 10
Min. investment
0 to 60 Months

About Octopus

Founded in 2000, Octopus helps more than 50,000 customers manage more than £6 billion, through simple, jargon-free savings and investment products. Its property lending team, Octopus Property, has lent billions across thousands of loans, with a near impeccable default rate.

Loan TypeShort-term property loans
Secured on?Property - with conservative loan-to-value ratios of, at most, 70%.
Early Exit Possible?There's no fixed term. Investors can withdraw at any time, with no charge or loss of interest.
Payment Frequency?

Interest is paid monthly. Investors can choose to have it automatically re-invested, or paid directly into their bank account.


Octopus Choice Overview

Octopus Choice provides an opportunity to invest, alongside them, in high-quality loans backed by bricks and mortar. All loans are chosen by their lending team, and they invest in every single one – with your money protected ahead of theirs. £10 minimum. Quick and easy. No fixed term.

For those with money to invest, but nowhere they feel comfortable investing it, it could be the choice they’ve been waiting for.

Who do you lend to?Typically property professionals who need a level of speed, flexibility and certainty that more traditional lenders can’t generally provide.
Who chooses the investment?They’ll automatically build a portfolio for you, of at least 10 loans.
FoundedOctopus Choice was launched in 2016. Octopus was founded in 2000.
Provision Fund?They contribute 5% towards each and every loan. Your money’s protected ahead of theirs.
Type of Investor?Those looking for a simple, easy-to-use alternative to stock market investing.
Secondary Market?Yes; new investors will take the place of those looking to withdraw. If necessary, and provided they can, they’ll buy out those wanting to exit.
Tax Relief?They're launching an ISA version in a few months - initially to existing investors.
FCA Regulation?Fully authorised

Platform Risk Warning

Octopus Choice is not a cash savings product and there is a risk that investors may not get back the full amount they put in. Investments are not protected by the Financial Services Compensation Scheme (FSCS) against losses arising from performance. Past performance is not a reliable indicator of future results. It’s important that investors read and fully understand the risks involved before deciding to invest. Any decision to invest should be made on the basis of the information contained in the Octopus Choice terms and conditions. Octopus Choice is a trading name of Octopus Co-Lend Limited, 33 Holborn, London EC1N 2HT, which is fully authorised and regulated by the Financial Conduct Authority (reference number 722801).