Need cash now?
Unlock your BTL equity
Get up to 10% of your property value now with Pauzible! We receive up to 14% of future value when you sell, remortgage, or buy back our right.*
Assumptions & Disclaimer
2. Over the last 50 years UK property prices have increased on average by 5% per year.
Supporting landlords
cash upfront to use however you want
Refurbish your buy to let or finance the deposit for your next purchase
your finances
Typically much smaller amounts than a bridging, or second charge loan
with your investment
Continue to benefit from future price appreciation
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A quick and simple solution for landlords to unlock wealth in their investment property.
What our clients say
Why
Pauzible
No lengthy application process or affordability check. Quick and simple process.
You decide when you want to settle with Pauzible within the term
On settlement, Pauzible gets 1.4 times the initial percentage you unlocked (e.g., 14% of the property's value if 10% was unlocked). You keep the rest!
How Pauzible works
Unlock up to 10% of your BTL's value today. You can buy back Pauzible's right whenever it suits you, before the end of the term
Register with Pauzible
Unlock up to 10% of the equity in your BTL property with Pauzible
Pay a monthly premium
Pay a nominal monthly premium until you settle with Pauzible
Exit on your terms
Settle when you sell, remortgage or buy back our right using own funds. Simply pay up to 14% of the property price at exit.
Register now, and one of our experts will call you to discuss your needs
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FAQs
What is Pauzible?
Pauzible is a financing product for buy-to-let (BTL) landlords that unlocks the wealth trapped in the equity of their BTL property.
Pauzible pays the landlord a part of the BTL property value today and participates in its future upside as well as downside.
This financing is in addition to the existing BTL mortgage on the property.
How much cash can I unlock from my BTL Property?
Pauzible provides gross financing of up to 1/10th of the value of each of your BTL properties, subject to a maximum amount of £150,000 per property.
Example 1:
A BTL landlord has a property with a value £1 millionPauzible will unlock wealth and provide a gross financing amount of £100,000
Example 2: A landlord has a portfolio with three BTL properties Property Value Pauzible Unlock Property 1: £250,000 £25,000 Property 2: £400,000 £40,000 Property 3: £1,100,000 £110,000 Total £1,650,000 £165,000 Landlord would be able to unlock a total gross financing amount of £165,000.
The actual cash received would be after deducting the initial costs.
What is the maximum amount I can get on each property?
Maximum wealth unlocked is 1/10th of the value of the property, subject to a gross financing amount of £150,000 per property, and subject to the combined loan-to-value not exceeding 85%.
What do I pay back?
You make a small monthly payment and a final repayment at the end of 5 yrs.
How much do I pay every month?
Landlords pay a monthly premium, typically 1/10th of the expected monthly rent assuming that they have unlocked 1/10th of the value of the property
Example: If your expected monthly rent is £3,000, you pay £300 / month You pay the premium whether the property is rented or not. The monthly premium is adjusted annually in line with inflation by RPI plus 1%.
My lender does not allow second charges. Can Pauzible still proceed?
Pauzible will consider an unregistered second charge in the financing agreement, as well as registering a restriction on sale (RX1) in the property's title register.
Will it violate the terms of my mortgage?
It is the responsibility of the business landlord to seek independent advice regarding the impact on their mortgage terms and any other relevant considerations. Pauzible cannot and will not provide any advice.
Are you authorised and regulated by the FCA?
Pauzible's business falls outside the scope of financial services regulation. Therefore, Pauzible does not need to be and is not authorised and regulated by the Financial Conduct Authority.
Who is the team behind Pauzible?
Our leadership team consists of passionate and seasoned professionals, who, on average, have over two decades of experience in mortgage and home ownership financing, building and using technology and delivering enhanced customer experience.
