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
Calculator
A quick and simple solution for landlords to unlock wealth in their investment property.
What our clients say
“Amazing offering”
I first met the guys at Pauzible at the National Landlord Investment Show. I have been looking for a way to monetise the significant equity that I had within my portfolio and had spent the past couple of years with a variety of brokers and lenders, but couldn’t get the numbers to work.
I liked the look of the 10% up front cash offering, but if anything the product sounded too good to be true. I therefore started both verbal and email discussions with the guys, expecting hidden fees and catches. What actually happened was the opposite in that not only was the product offering easy to understand and fair, but the guys were very responsive and open minded. My first deal closed within 2 months of that meeting at the show and I am now happy to recommend Pauzible to friends and family and they will be my first port of call when I need to fund my next development.
“Innovative, swift and straightforward”
I have recently raised a facility with Pauzible which is a release of equity from a property. This innovative funding is beneficial for the management of cashflow which has been a challenge in the current high interest rate environment. I am effectively accessing some of the capital in my business which has accumulated with house price inflation overtime. The process to drawdown was both swift and straightforward
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 does Pauzible do?
Pauzible offers buy-to-let (BTL) landlords the opportunity to access up to 10% of their BTL property value.More specifically:
1. Landlords receive up to 10% of the value of the property today as lump sum.
2. Landlords pay a monthly premium at the same yield as the rent on their property, adjusted annually by inflation (CPI) and subject to a review. For example, for a 10% advance against your property, we will expect to receive a premium equal to 10% of your rent.
3.Landlords pay 1.4 times the percentage of property accessed x property value then (up to 14% of property value) when they sell, remortgage or buy back the rights in their property or at the end of 5 years, whichever is earlier.
If monthly premium payments are not received from landlords, Pauzible will have the right to purchase the property at its then market price, less Pauzible’s repayment amount.
At any time during the agreement, landlords can buy out Pauzible's rights using their own funds or through a sale or when they remortgage by paying the settlement percentage of the property's market value at that time. At the end of 5 years, Pauzible will expect to get paid the value of Pauzible’s equity participation percentage in the property.
However, please note that if landlords decide to buy back Pauzible’s percentage or sell or remortgage during the first 3 years of the agreement, we would use the higher of the then market value and the market value of the property at the time of signing the agreement.
Who is Pauzible right for?
Pauzible may be the right solution for business BTL landlords, who intend to own their property for more than three years and have sufficient equity in their BTL property. To find out if you qualify, express your interest and we will be in touch.
Does Pauzible purchase and own a portion of my investment property?
No, Pauzible does not purchase and own a portion of your investment property. However, if monthly premium payments are not received from landlords, Pauzible will have the right to purchase the property at its then market price, less Pauzible’s repayment amount.
How will Pauzible share be valued when I buy it back?
We will use an independent third-party valuation to determine the market value of the property at the time of buyback. This valuation would be used to determine the value of our share. However, if you were to buy back or sell within the first three years of the contract, Pauzible will value the house no lower than at the start of the agreement.
What happens if the value of my property goes down?
If the value of your property goes up, you make more and we make more. If the value goes down, we both make less. However, if you were to buy back or sell within the first three years of the contract, Pauzible will value the house no lower than at the start of the agreement.
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.
