OCTANE are launching a semi-exclusive BTL with rent needed only at 100% of pay rate

As of Monday, we’ll be launching three new BTL products at cheaper rates. For the time being, we’re only making the products available to a very few select broker firms, of which Connect are one.

The key selling point of our entire BTL range will remain the same – we do not stress test. We only require 100% rental cover at our pay rates (which are now much lower). This means we can often lend more than other lenders with more stringent rental cover requirements, and we will continue to cater for non-standard borrower/property scenarios.

Josh our BDM holding a Zoom meeting to tell you more and talk through cases next Thursday, see below for the access details 

The key points are as follows:

New BTL Products

  • 3 new Products to add to our existing range
  • Rates now start at 5.49% – with a 4.49% pay rate
  • A cheaper rate will be launched in the coming weeks
  • 5 year terms
  • Up to 70% LTV (for the time being)
  • No stress testing – we only need 100% rental cover of the pay rate


We can cater for:


Difficult borrower scenarios Difficult property scenarios

  • Borrowers with a limited deposit
  • Foreign nationals
  • Ex-Pats
  • First-time buyers/first-time landlords
  • Ltd companies
  • Offshore companies
  • Trusts
  • Adverse credit



  • Semi-commercial (up to 30% commercial)
  • Residential above commercial
  • Small & large HMOs
  • Ex-council
  • Planning irregularities
  • Short leases
  • Multi-unit freehold blocks


Thursday 28th May – 2pm

To join the meeting click this link – https://us02web.zoom.us/j/84227276138?pwd=cDNkd0lqWmo0eHRHWlduVmJJMjZKdz09

Meeting ID: 842 2727 6138
Password: 155037