Octopus Choice – around 4% per annum, no fixed term

Invest alongside Octopus in loans backed by bricks and mortar. There is no fixed term (although instant access is not guaranteed). 

Important: The information on this website is for experienced investors. It is not advice nor a research or personal recommendation to invest. If you’re unsure, please seek advice. Investments are for the long term. They are high risk and illiquid and can fall as well as rise in value, so you could get back less than you invest.


Why consider investing?

  • Targets a variable rate of around 4% gross paid out every month (not guaranteed)
  • Invest from £5,000 to £2 million
  • Invest your own or your company's money 
  • Loans secured against bricks and mortar – in case of default, you have first charge on the assets 
  • No fixed term – you can ask to withdraw the money at any time but instant access is not guaranteed
  • Low loan to value – around 60% on average and maximum 76% 
  • Diversification – Octopus aims to spread your money across a minimum of 10 loans

Risks – important

This, like all investments available through Wealth Club, is only for experienced investors happy to make their own investment decisions without advice. 

Bonds such as these are not readily realisable. They tend to be illiquid and hard to sell and value. They should only form part of a balanced portfolio and you should not invest money you cannot afford to lose.  Before you invest, please carefully read the Risks and Commitments and the offer documents to ensure you fully understand the risks. 

Tax rules can change and benefits depend on circumstances. Your actual return could be higher or lower, depending on how much and when you invest, and how the loans in your portfolio perform. All interest is paid gross – the tax due depends on circumstances and may change in future.

Octopus Choice is not covered by the Financial Services Compensation Scheme. Neither your capital nor interest are guaranteed, so you could get back less than you invest. You should not invest money you cannot afford to lose. You can ask to withdraw your money at any time, however Octopus cannot guarantee instant access. 

How to invest

Before investing you should download and read carefully the provider documents. Please also read the risk statement. For arranging the business, Wealth Club will receive a commission payment of 1% after the end of year 1.  

Once you decide to invest, please download, complete and return the application form. 

Wealth Club aims to make it easier for experienced investors to find information on – and apply for – tax-efficient investments. You should base your investment decision on the provider's documents and ensure you have read and fully understand them before investing. This review is a marketing communication. It is not advice or a personal or research recommendation to buy the investment mentioned. It does not satisfy legal requirements promoting investment research independence and is thus not subject to prohibitions on dealing ahead of its dissemination.

The details

Type
Co-investment in property loans
Target raise
Uncapped
Interest rate
Around 4% (not guaranteed)
Term
No fixed term
Loan to value
60% on average
Last updated: 1 October 2019