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Peer to peer lending » Octopus Choice

Octopus Choice

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Octopus Choice (Part of the Octopus group) is a peer to peer lending platform that lets you invest in property-backed loans. 

Their target interest is 4%p.a and is paid monthly.  Octopus invests alongside the lender in every loan and quote “You'll get back your initial investment before us, and earn your interest before we earn any.” All loans are sourced by Octopus Real Estate who have lent nearly £4bn since 2009.

A minimum investment of £10 is required but there is no maximum.  Lenders have the option of reinvesting their interest or have it paid into their bank account.  There is a choice of investing via their General Account and an IFISA.

Octopus’s platform spreads the investment across a range of loans on your behalf and the rate of interest received is blended to form an overall target rate of 4% a year gross.

There is no fixed term on the withdrawal of funds, although they state that there is no guarantee to instant access to the funds requested for withdrawal.

  • Target annual interest rate of 4% per annum. Paid monthly.
  • Minimum investment is £10.
  • No fixed terms.
  • All loans secured against property.
  • Re-invest or withdraw interest payments each month.

* correct as of 13/12/2019


  • Internet Business Awards Category Award Winner 2015
  • Hertfordshire Business Awards Finalist 2014

As seen in:

  • The Guardian
  • Financial Times
  • Yahoo! Finance
  • The Times
  • The Daily Telegraph