Octane Capital
Specialist LenderOctane Capital is a specialist bridging and development finance lender known for speed and flexibility. They leverage proprietary technology to deliver rapid decisions and completions, serving property professionals who need certainty of funding on time-sensitive transactions.
About Octane Capital
Octane Capital is a specialist bridging and development finance lender known for speed and flexibility. The lender leverages proprietary technology to deliver rapid decisions and completions. Octane serves property professionals who need certainty of funding on time-sensitive transactions, with a focus on delivering on commitments.
Octane offers bridging and development finance with a technology-driven approach. The lender has built a reputation for fast turnaround times and flexible criteria. Octane works with property investors and developers through intermediaries across the UK.
Octane Capital is broker-only and works with property finance intermediaries. The lender has invested in technology to streamline the application and underwriting process. Octane is regulated by the FCA.
Lending Focus
Octane Capital offers mortgage products across 3 categories including Bridging, Development, Limited Company.
Key Features
- Completions possible within 3 working days
- Bridging loans from £50k to £25m
- Proprietary technology platform for rapid processing
- Flexible security including mixed-use and commercial properties
- Experienced team of property finance specialists
Pros & Cons
Pros
- Completions possible within 3 working days — among the fastest in market
- Loans up to £25m for large-scale transactions
- Proprietary technology platform for rapid processing
- Accepts mixed-use and commercial property as security
Cons
- –Broker-only — no direct borrower access
- –Relatively new lender — established 2017
- –Higher rates may apply for very fast completions
Fees & Charges
- Arrangement Fee
- Typically 1.5–2% of the loan amount
- Valuation Fee
- Varies by property value — instructed at application
- Early Repayment Charge
- No ERC — repay at any time without penalty
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on Octane Capital
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 3–10 working days from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 4 weeks from date of offer
Lending Criteria
- Maximum LTV
- 80%
Frequently Asked Questions
How quickly can Octane Capital complete a bridging loan?
Octane Capital can complete bridging loans in as little as 3 working days, making them one of the fastest bridging lenders in the UK.
What is the maximum loan size from Octane Capital?
Octane Capital offers bridging loans from £50,000 up to £25 million, accommodating both small and very large transactions.
Does Octane Capital accept commercial property as security?
Yes, Octane Capital accepts flexible security types including residential, commercial, and mixed-use properties.
Does Octane Capital offer development finance?
Yes, alongside bridging loans Octane Capital provides development finance for property professionals undertaking construction and refurbishment projects.
How to Apply
Broker only. Octane Capital products are available through mortgage brokers. Find a broker with Octane Capital on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Atelier Finance | Commercial, Bridging, Development+1 | Specialist | 70% |
| Close Brothers Property Finance | Commercial, Bridging, Development+1 | Specialist | 60% |
| Fox Funding | Commercial, Bridging, Development+1 | Specialist | 75% |
| Maslow Capital | Commercial, Bridging, Development+1 | Specialist | 70% |
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
MFS Collapse Triggers Caution in Bridging Finance
The collapse of MFS has raised concerns in the bridging finance sector, prompting lenders to reassess funding strategies.
Somo Provides Second Charge Bridge to Assist Landlords
Somo has provided a second charge bridge to assist landlords with arrears, allowing them to use property equity without redeeming first charges.
Nivo Launches AI Case Management for Bridging Finance
Nivo has launched Lender Collect, an AI case management service for bridging finance, streamlining the application process for lenders and brokers.
Bridging Finance: 85% of Offers Now Fixed Rate
Octane Capital reports that 85% of its bridging finance offers are now fixed-rate, indicating a strong demand for stability among borrowers.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice.Always verify lender details directly and seek independent advice before making financial decisions.
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