Amicus is a specialist finance lender founded in 2009, part of the Amicus Finance Plc Group. The team is based in Soho, London and pride themselves on offer a personal approach to every deal they fund across residential and commercial property. Applicants can apply to borrow up to £9 million for property-related projected including bridging finance, auction finance and refurbishments. Amicus do not have a rate card, instead preferring to tailor a specific package to your requirements, with different interest options available.


Minimum Age
Loan Value Available
£30k to £9 million
Loan Length
Max. 18 months
Typical Time to Fund
1 week
Interest Rates
Upon request
Credit Check
Other Information
1st charge loans to 70% Loan to Value
FCA License Number
  • Direct Lender
  • FCA Authorised
  • Secured Loan

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Octagon Capital

3-4 Holborn Circus,
Holborn, London

Opening Hours

Monday to Friday
9:00 am to 18:00 pm


Call us today 0333 414 1491

Amicus Property Finance – What Products Are Available?

Residential property: This type of finance allows you to access funds quicker than a typical mortgage and purchase a property that someone will eventually be living in. The purpose can be to buy a home or flat for investment purposes, to then sell it at a later date for a higher amount or rent it out to the public to generate income (buy to let).

The LTV for first charge loans is a maximum of 70%, which will depend on your criteria and investment opportunity. This means that you will be required to provide a minimum of 30% towards your project out of your own finances.

Commercial property: If you are looking to acquire a property that falls under commercial, this will include offices, shops and retailers. The Amicus website explains that there is nothing worse than missing out on a good commercial deal due to a lack of funds – so they are happy to help with temporary funding shortfalls or secure finance for time-critical opportunities.

Development: Amicus can help fund projects that require development finance – whereby there is a combination of purchasing the land and the build costs. Whilst applicants can apply to borrow up to £9 million towards their opportunity and pay 100% of the development costs, the maximum loan-to-value (LTV) is slightly lower at 65%.

Refurbishment: If you are looking to renovate or refurb an existing property, Amicus can help you finance every aspect of it, including materials, builders, electrics and interiors. This is common for buy-to-let investors who are looking for a fixer-upper and then earn revenue by renting it out to tenants. The specialise lender also states that they can provide ongoing support for any planning permission and building regulation that you are going through.

Auction: If you are looking to or have already purchased a property at an auction, you will know that you are required to pay 10% upfront on the day and then come up with the existing monies within the next 28 days. Amicus can offer you funds from £30,000 to £2 million towards your estate and provide this for you within the time restriction. The loan-to-value LTV is still at around 70%, meaning that after the 10%, you will just need to find the remaining 20% through your own savings or pool of investors.

How The Application Process Works

The process starts by contacting their team but email or phone, or easier, you can scroll up this page and enquire through Bridging Loan Hub. We have partnered with Brightstar Financial who have been working with Amicus for several years and are used to packaging up their loans so that they can be in a position that is ready to fund.

If you meet the Amicus criteria, you can get a verbal confirmation and an idea of the fees and rates that will be charged. The lender can send you a decision in principle within 24 hours which is a written confirmation highlighting the terms, rates and requirements of the loan you have applied for. At some point during the application process, Amicus will need to meet with you face-to-face or by video call in order to get to know who they are dealing with.

Once you have completed the documentation and spoken with Amicus, your loan will be underwritten and packaged so that it is ready for funding. Providing that you meet the checks and criteria, your loan can be funded immediately, sometimes taking a few days to go through. Then, they will discuss your exit plan with you and touch base every couple of weeks to see how your investment and development project is coming along. This will allow them to determine the exit date for you, when you potentially sell your renovated property or refinance. If there are any problems or delays, Amicus will gladly discuss these with you and explore various exit options to suit your requirements.

Amicus Company Information

Address: 7 Air Street, London W1B 5AD

Countries they operate: England, Scotland and Wales.

Member of: NACFB, ASTL, AOBP

Company no: 06994954

FCA authorisation number: 613085


Octagon Capital is the trading name of Tudor Lodge Digital Ltd which is an appointed representative of Cobain Digital Ltd and is entered on the Financial Services Register under reference number: 770276. Cobain Digital Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 713027.

Octagon Capital does not provide advice on regulated mortgage contracts or credit agreements, these are carried out by one of our independent FCA regulated associates. Octagon Capital acts as a Credit Broker with access to whole of market and does not act as a Lender.


Contact Us

Octagon Capital
3-4 Holborn Circus, Holborn
London EC1N 2HA

Opening Hours
Monday to Friday
9:00 am to 18:00 pm

T: 0333 414 1491

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