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Octopus Real EstateA guide to our products1Octopus Real Estate A guide to our products

All data correct as of November 2021.For professional intermediaries only.Octopus Real Estate is the trading name of Octopus Investments Ltd (Reg No 03942880), BridgecoLtd (Reg No 6629989), Fern Trading Group Ltd (Reg No 6447318), Octopus Commercial Term Ltd (RegNo 13486353), Nino Ltd (Reg No 9015082), Octopus Administrative Services Ltd (03974202), OctopusHealthcare Development Ltd (Reg No 03788979), ORE Lending Ltd (Reg No 12908588) and OctopusCo-Lend Ltd (Reg No 8913299), all registered in England & Wales at: 33 Holborn, London, EC1N 2HT,and Octopus Real Estate S.ar.l. (Reg No B189290) registered in Luxembourg at: 412F, Route d’Esch,Grand Duchy of Luxembourg, 1471, Luxembourg. Octopus Investments Ltd and Octopus Co-LendLtd are authorised and regulated by the Financial Conduct Authority. OP000157

Welcome to our product guide, with detailedinformation on our residential, commercialand development products.Find it fastProductMax LTVLoan termRatesPageResidentialBridgingBuy To Let75% unregulated1-23 monthsFrom 0.55% p.m.70% regulated1–12 monthsFrom 0.45% p.m.80%2–25 yearsFrom 4.99% p.m.65CommercialBridging70%1–24 monthsFrom 0.75% p.m.7Auction60% net day one6 months9.00% p.a.870%2–5 yearsfrom 4.50%plus SONIA swap9Commercial TermResidential Development3Development70%6–36 months6.75% p.a.10Light Development70%12–24 months7.20%11Greeener HomesAlliance70%0–36 months7.00%11Octopus Real Estate A guide to our products

Why Octopus Real Estate?We’re customerfocussedWe relish theunconventionalWe’re not youraverage lenderWe’re part ofsomething biggerWe’ve spent over tenyears building a businessknown for putting itscustomers first. Ourcustomers come back tous time and time again,because they trust us toput together the rightdeal, at the right time.There’s always a betterway to do business. Wetake pride in achievingwhat others think isimpossible, and ourunique approach hashelped us win numerousproperty lending awards.We provide funding toproperty investors anddevelopers at everystage of the property lifecycle. You won’t get thattype of commitmentanywhere else. And we’renot a bank, so we don’tthink like one.We’re proud to be partof Octopus, a group ofcompanies that investsin the people, ideas andindustries that will helpto change the world.Your business development managersWhether you require local support or national coverage,our business development team are always on hand to help,and by working with us, you’ll also have direct accessto the rest of our teams.Borrower profileAsset profileProperty developers Houses of multiple occupation (HMOs)T ypically SME firms looking to build5 to 200 units.Property companiesWide variety including UK and offshore entities,limited companies and special purpose vehicles.4Find your local BDM Student accommodation Multi-unit freehold blocks Holiday lets High-rise buildingsIndividuals Ex-localBoth domestic and international investorsin UK real estate including foreign nationals,first time buyers and expats. Standard residentialOctopus Real EstateEstate A guide to our products

ResidentialBridging (regulated and unregulated)We can helpKey featuresMinimum loan 150kLTVUp to 75%RateFrom 0.45%Term1–23 monthsArrangement feeEarly repayment charge2%None Foreign nationals, expats, first time buyers andlandlords UK and offshore company structures, adverseconsidered, rental shortfalls Auction purchases, semi-commercial, HMOsKey facts Fast Track service available [subject toapplication], please contact your BDM forinformation AVMs available for certain property types No ERCs No minimum income requirements Interest loan is typically retained as part ofthe loanFor regulated Interest is added to the loan (it can’tbe serviced) Maximum term 12 months You must be an FCA authorised adviser (orhave someone who is) to provide adviceabout whether this is the right product foryour client.Please rememberYour home may be repossessed if you do notkeep up repayments on your mortgage.5Octopus Real Estate A guide to our products

ResidentialBuy To LetOur specialist team will take the time to understandyour landlord’s portfolio, then using a combination ofqualifying criteria we provide simple Buy To Let loansthat aim to be the right fit to help your landlord.Key features Short-term lets allowed First-time buyers Foreign Nationals Off shore companies Minimum loan size 50k Ex-patsMaximum LTV80%To see our full Buy To Let matrix click here.Rates from4.99% p.a.Term2–25 yearsArrangement fee6We can assist with the following:Octopus Real Estate 150,000 2% 150,000 1.5%A guide to our products

CommercialBridgingWorking across the commercial spectrum, our flexiblebridging loans are structured around individual needs,to fund acquisitions, refinances and equity release.We can help:Key features Active management, turnaround and vacant assetsMaximum LTV Day one loans based on existing use value withfurther advances to reflect value enhancementthrough planning, refurbishment or relettingRateFrom 0.75% p.m.Term1–24 monthsArrangement feeFrom 0.50%Early repayment charge770%Octopus Real Estate None Commercial assets, from industrial wharfsto 5-star hotelsKey facts Loans can be completed in as littleas one week Our experienced in-house lending team areall fully qualified Chartered Surveyors whohave decades of investment experience andknow how to structure loans to achieve yourclient’s objectivesA guide to our products

CommercialAuctionWe can assist with the following:Buying a property at auction can mean a scrambleto get the necessary finance together in time. Ourpre-approved loans, for assets purchased at Acuituscommercial property auctions, mean investors areguaranteed the finance they need, the moment thehammer falls. Any property sold in the Acuitus auction room No valuation required Title indemnity insurance removes the requirementfor lengthy and expensive legal due diligenceKey featuresMaximum LTVRate0.75% p.m.Term6 monthsMinimum propertyvalueArrangement feeAmortisationEarly repaymentcharge8Max LTV 60%(net day one)Octopus Real Estate Key facts Pre-approved finance Subject to KYC, ESG Policy and TitleInsurance Potential to refinance onto longer term loanor development funding 500kfrom 0.75%Nil-interest only0%A guide to our products

CommercialCommercial TermOur specialist team, including chartered surveyors, havedecades of experience in structuring loans for clients.We can assist with the following:Key features Payment holidays are available, subject tounderwritingMaximum LTVRate fromTermMinimum loan sizeMaximum loan sizeArrangement feeAmortisation9Octopus Real Estate 70%4.50% plus SONIA swap2 to 5 years 0.50m 25m UK let commercial investments Funding acquisitions, refinances and equity releaseKey facts Our loans are interest only up to 65% LTV ICR covenant is 1.0x throughout the loanterm Fixed interest for duration of loanfrom 0.50%Interest only to 65% LTVA guide to our products

DevelopmentSince 2013, our development finance has supportedconstruction of over 6,500 new homes. We funda multitude of projects, ranging from housing andflatted schemes to large scale residential andstudent accommodation developments. We supportdevelopments of all sizes, across the UK.We can assist with the following Housing schemes Flatted developments Mixed Use schemes (up to 25% commercial) Student Accommodation PRS / Build to RentKey featuresMinimum loan size 5mMaximum loan size 100mMaximum initial LTV70%Maximum LTGDV70%Maximum LTC85%TermRates fromArrangement feeExit fee10Octopus Real Estate 12‑36 months6.75% p.a.1% p.a.From 1% of theloan amountKey facts Dedicated underwriting team The interest will be rolled for the wholeduration of the project including salesperiod Get an allowance for planning uplift(capped at 50%) enabling clients tomaximise the use of their cash Flexibility on terms to meet the client's needsRequirements Client's CV: we are looking to lend toexperienced developers, a track record willbe required when reviewing the scheme No CCJs, mortgage arrears or defaults inthe last 3 years. Previous adverse will beconsidered on an individual basis First Charge onlyA guide to our products

Light developmentSome lenders won’t provide loans on smaller developmentschemes. Not us. We can help with ‘light’ developmentprojects ranging anywhere from heavy refurbishment toground up multiple unit developments. These schemesdo not always require the same level of monitoring aslarger schemes, so we will consider light touch quantitysurveyor monitoring.We can help Housing schemes Flatted developments Mixed use schemes (up to 25% commercial) Permitted development Student Accommodation Change of use conversionsKey featuresMinimum loan size 2mMaximum loan sizeKey facts 5mMaximum initial LTV70%Maximum LTGDV70% Fast-tracked initial approval process We consider light-touch quantity surveyormonitoring Dedicated underwriting teamTermArrangement feeRates fromExit fee12‑24 months1%7.2%2% of the loan amount The interest will be rolled for the wholeduration of the project including sale period Get an allowance for planning uplift(capped at 50%) enabling your client tomaximise the use of their cash Flexibility on terms to meet your client’s needs Access to an experienced developmentfinance team to discuss your deal11Octopus Real Estate A guide to our products

Greener Homes AllianceOur partnership with Homes EnglandWe can assist with the followingWe’re providing discounted financing to support andencourage developers to build high quality energyefficient homes. Housing schemes Flatted developmentsIn this joint venture with Homes England we’re leadingthe way to a greener future. Mixed Use schemes (up to 25% commercial)* PRS/Build to Rent* Subject to eligibilityKey featuresMinimum loan size 1mMaximum loan size 20mMaximum initial LTV70%Maximum LTGDV70%Maximum LTC85%TermUp to 36 monthsRates from 1m- 5m – 7.2%*Rates from 5m – 6.75%*Arrangement feeUp to 1%Exit feeUp to 2%* Before discountKey facts Homes that achieve a SAP score of 92 andabove (EPC A) will receive 2% discount oninterest rate Homes that achieve a SAP score of 85 andabove (EPC B) will receive 1.25% discount oninterest rate Benefit from initial free of charge, expertadvice from sustainability consultantsMcBains and Octopus Energy. They will helpyou to understand how to deliver high EPChomes and the costs and practicalities ofdoing so Octopus’ flexible and efficient funding todevelopers remains at the core of each loan Sharing knowledge, best practices, new ideasand products with developers that can beused to maximise energy efficiency in homes92 and above:Discount of 2%85 and above:Discount of 1.25%12Octopus Real Estate A guide to our products

About Octopus Real EstateOctopus Real Estate, part of Octopus Group, isa leading specialist real estate investor, with over 2.8billion under management and a highly experiencedteam of over 90 professionals. We focus on theproperty lending and healthcare sectors.The property lending team provides bespoke, customerfocused financing solutions across the UK residential,commercial and development sectors. The team haslent more than 5 billion across over 3,800 loans,providing competitively priced financing throughout theUK and spanning the property investment lifecycle, withloans typically ranging from 100,000 to 50 million.The healthcare team manages over 1 billion ofinvestments, with a focus on care homes andretirement communities – sectors requiring significantinvestment given the UK’s ageing population. OctopusReal Estate also creates strategic partnerships withleading operators, to deliver exceptional healthcarefacilities you’d choose for your loved ones. 11.3bnfunds undermanagementin the OctopusGroupOver90propertyprofessionalsOver 5bnlentBest Service from aDevelopment Finance ProviderBest DevelopmentFinance Provider3,800loans13Octopus Real Estate A guide to our products