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Real Estate Debt Investment

A catalyst for real estate transformation.

Why invest in real estate debt?

Property is a core component of the economic engine. Debt financing is an effective way to kickstart a chain of positive transformation in the sector.

Private investment in real estate debt can help regenerate the UK. This can be achieved through making use of brownfield sites, repurposing obsolete buildings, or enhancing the built environment.

In turn, more affordable beds are delivered to the housing market, and more energy-efficient stock is brought to the market more quickly.

Our approach to investing in real estate debt

As a non-bank lender, we are uniquely placed to create value. We aim to capture significant upside potential through our ability to provide flexible transitional lending to high-quality borrowers.

Maximising potential

Lending against fully depreciated properties
and land to increase upside potential, while managing risk.

Short-term lending

Minimising exposure to time-related risk, enhancing predictability for investors.

Sustainability

We are committed to creating value for people and the environment, alongside robust returns.

Explore our regeneration projects

At Octopus, we believe that finance can be a force for good. More than just loan providers, we act as catalysts for positive transformation, breathing new life into underutilised spaces and creating vibrant communities.

Explore our diverse range of case studies from across the UK, highlighting some of the regenerative projects we have supported through our transitional lending.

Kickstarting a chain of positive transformation

Property is a critical component of our economic engine. Our Real Estate Debt strategy aims to enhance the built environment through:

Regeneration

Regenerating brownfield sites, repurposing obsolete buildings and enhancing the built environment.

Additionality

Delivering more high quality affordable homes to the market.

Energy efficiency

Retrofitting or bringing more energy efficient stock to market.

Meet the team

Ludo Mackenzie Octopus Real Estate

Ludo MacKenzie

Head of Commercial Lending

James Nunn

Investment Director

Nick Westoby

Investment Director

Oliver Cookson

Investment Associate

“We provide strategic financing solutions to ambitious businesses, fostering their growth with bespoke loan structures, not generic offerings. While our approach is deliberate and long-term, the satisfaction of witnessing tangible progress – buildings constructed, communities flourishing, jobs generated – is unparalleled.”

Ludo Mackenzie, Head of Commercial Lending at Octopus

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If you’d like to discuss our real estate capabilities, please get in touch.