We are a Specialist Bridging Loans Broker 

Octagon Capital is a specialist broker that can help you compare bridging loans in the UK ranging from £50,000 to £25 million. Based in the centre of London, we have partnered with the award-winning SPF Short Term Finance who will process your enquiry.

0333 414 1491

Enquire Below

*UK Property Only | *Minimum Age 21

  • By submitting this form I agree to being contacted by SPF Short Term Finance and I have read and accept the Terms and Conditions.

badgeOver £100 Million Funded Since 2015


Key Features

  • Borrow £50,000 – £25 million
  • Loan Term: up to 24 months
  • Loan-To-Value: up to 75% (regulated)
  • Rates from 0.44% per month
  • All credit scores considered

Auction finance refers to borrowing money or taking out a loan to put towards a property that you have purchased at an auction.


Construction finance loans allow you to borrow up to £2 million towards a construction project of your choice.


Development finance is a type of short-term lending that a property developer or company will use to pay for the renovation or refurbishment of a property.


Equity release allows homeowners to unlock 20% to 60% equity in their property’s value and receive money in one lump sum...


Mezzanine Finance is a type of business loan which involves a combination of debt (a loan) and equity (giving up shares in your business).


Bridging finance is used to complete on properties within a tight deadline, with flexible options available, funding can be completed in 2 to 4 weeks.

Our Specialist Finance Lenders

We work with over 40 lenders in the UK. See the full list here

What is Bridging Loan Broker?

A bridging loan broker can help to narrow down your search for a bridging product, helping you to find the lender who is mostly likely to approve you based on your personal and individual requirements, including the loan amount, LTV and loan duration.

Rather than going to each individual lender one-by-one, you can save time by using a broker such as Octagon Capital – and we only charge a fee if your loan is approved and successfully funded.

Beyond this, we will use our experience to better understand you and your requirements, looking beyond just bridging loan options, with access to development finance, mezzanine finance and other mortgage brokers, helping you to get the most tailored and specialist funding possible, helping you to borrow up to 80% or 90% LTV if you need it. Also, taking into account the important timeframes, so that you can get quick funds when you need them.

Why Use a Bridging Finance Broker Like Octagon Capital?

Every project or purchase is different and unlike traditional mortgages, specialist finance products can be far more tailored and flexible to suit your requirements.

Every lender has a different criteria – but working with a broker can truly help you find the best terms and rates specifically for your needs.

Octagon Capital have partnered with SPF Short Term Finance to offer a highly personable experience. We respond quickly to any enquiries, big or small, and will be able to come back to you with indicative terms in less than 24 hours.

We have access to the entire market, including challenger banks, bridging lenders and private investors – so that you can truly access the best products available in the UK.

We do not charge any fees until you are ready to proceed and have a deal in writing – so we are enthusiastic and passionate about finding the right deal for you.

How to Apply with a Bridging Loan Broker 

Step 1: Make an Enquiry

Start your application by making an initial enquiry. This enquiry can be made using the form provided, sending us an email at sales@octagoncapital.co.uk or calling us on 0333 414 1491.

During this step, you’ll have to tell us how much you would like to borrow, how long for and some information about the property, including:

  • The address
  • The current value
  • The type of property it is
  • Your plans for it

Step 2: Get an Offer

Once you’ve made an initial enquiry, we can usually provide an Offer in Principle in just a matter of hours.

This offer outlines the terms that we are willing to lend on, including our best rate possible, subject to a valuation and further due diligence.

Once this is signed by you, we are ready to proceed with the next steps.

Step 3: Get a Property Valuation

We will require a property valuation subject to approval, which must be completed by a RICS surveyor.

If you’ve undertaken one before applying, this may be viable – we’ll just need to check how recently it was conducted and the outcome. A valuation can often be completed within a week.

Step 4: Complete with Solicitors

We will send your solicitor our checklist of requirements. If the valuation and other documents have come back positively, we can issue you with a mortgage deed to sign.

Step 5: Your Funds Are Released

As soon as our solicitors receive the requested documents, we are ready to proceed with your bridging loan.

We are able to complete the application from start to finish in 2 to 4 weeks – or sometimes sooner.

Meet The Team

Try Our Bridging Finance Calculator

By submitting this form I agree to being contacted by SPF Short Term Finance and I have read and accept the Terms and Conditions.

  • Please give us a call if you require more than £25,000,000

Frequently Asked Questions with Octagon Capital

Is Octagon a Broker or Lender?

Octagon Capital is a broker, partnered with SPF Short Term Finance, and we work with a range of private lenders, challenger banks, bridging and development providers.

Do You Charge Fees for Applying?

No, we do not charge any fees for applying until we have a formal offer that you have approved and have signed. There may be commitment fees prior to a deal being funded, but once all the final checks have been made by you and your solicitor, you will not pay any fees until the loan has been funded. Once the loan is funded, you will pay interest to the lender and we will receive a broker fee from them too.

What Products Do You Offer? 

We offer a range of specialist finance products including bridging loans, development finance, mezzanine finance, senior debt, construction finance, invoice finance, second charge mortgages and equity release. For small amounts, see our partners here and here for more information.

What Type Properties Can Be Used For My Loan?

Octagon Capital can facilitate finance for agricultural land, bungalows, care homes, chalets, converted barns, cottages, detached homes, farmhouses, guest houses, hotels, maisonettes, mid-terraced homes, offices, petrol garages, semi-detached homes, studio flats, terraces, townhouses and warehouses.

What Can The Loan Be Used For?

Whether it is a bridging loan or development finance loan, this can be used to pay for land, building costs, stamp duty, solicitors, valuations, construction, architects and anything involved in the purchasing of the property and its development. For utilities, see Warmable for boiler servicing.

What Rates Can You Offer?

Octagon Capital can offer rates from 0.44% per month and the rate you are charged is based on factors such as your security, income, equity, credit status, previous experience and your project specification. Usually those property developers or investors with prior experience, a healthy track record and good exit strategy will access the best rates and terms.

Can You Assist People with Bad Credit Histories?

Yes, specialist finance is very well catered for people with adverse credit, usually taking the property and its potential value as one of the main things that lenders look at. Whilst some lenders will consider credit scoring, there are several other factors that are taken into account such as your income, track record and your security.

Could My House Get Repossessed?

Yes, there is always a risk with specialist finance and secured lending that your property could get repossessed. This is a last resort and occurs if you have not been able to repay your loan and have been able to refinance the property in any other ways.


A maximum fee of 1% of the loan amount is payable – for example on a mortgage of £100,000 the fee would be £1,000, the exact fee will be dependent on your circumstances. For Bridging Finance where the net loan amount is £150,000 or below, the maximum fee charged is £1,995.

SPF Short Term Finance is a trading style of SPF Private Clients Limited which is authorised and regulated by the Financial Conduct Authority (FCA).