Unlock
Buy-To-Let
equity
Pauzible is our quick and simple solution enabling landlords to unlock their equity in their properties. Get up to 10% of your property value in cash. Use it straight away, for any business purpose.
Assumptions & Disclaimer
2. Over the last 50 years UK property prices have increased on average by 5% per year.
Making life easier
for landlords
Managing property isn’t always straightforward. If you're renovating, expanding your portfolio, or need financial support, we’re here to make it easier - and help your buy-to-let dream grow.
your cash
Get cash upfront, use it for business purposes.
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your finances
Repay less if your property value goes down after the third year.
your investment
Continue to benefit from the growth in your property value.
Calculator
See how much equity you can unlock from your BTL property
Quick access to cash
Need to unlock funds from your property? Get up to 10% of its current value as cash. Whether you want to refurbish your property or finance the deposit for your next purchase, we’ve got you covered.
Quick and simple process
No lengthy applications
Transparent interactions
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Flexible
5-year term
We give you time to plan for the future, with a 5-year window. When you’re ready, choose the exit that’s best for you.
Settle at any time
Low monthly premium
Exit on your terms
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Keep most of the upside
With Pauzible you get cash now and continue to benefit from your property's increasing value. At exit, pay up to 14% of the property value.
Keep most of the growth in your property value
Up to 14% of the property value
A friendly team by your side
How Pauzible works
LOCK
EQUITY
Register with Pauzible to unlock up to 10% of your buy-to-let property value.
Month
ly
Pay a small monthly premium. We don't charge interest.
ible
exit
Settle anytime within 5 years - when you sell, remortgage, or repurchase Pauzible's share.
Whatever your situation, we’re here to help. Add your details to speak with an expert and find out how much you could unlock.
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No hidden fees – guaranteed
Secure and confidential application process
No negative equity
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 landlord's BTL properties, subject to a maximum amount of £150,000 per property.
Example 1:
A BTL landlord has a property with a value £1 million Pauzible 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
In Example 2 above, the 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?
The maximum amount the landlord can get on each property is 1/10th of the value of the property, subject to a maximum gross financing amount of £150,000 per property and the combined loan-to-value ratio not exceeding 85%.
What do I pay back?
The landlord makes a small monthly payment and a final repayment at the end of 5 yrs.
How much do I pay every month?
The landlords pays a monthly premium, typically 1/10th of the expected monthly rent assuming that they have unlocked 1/10th of the value of the property. Landlord pays the premium whether the property is rented out or not. The monthly premium is adjusted annually in line with inflation by (RPI) plus 1%.
Example: If landlord's expected monthly rent is £3,000, landlord pays £300 / month
How much do I pay as the final repayment amount?
If the landlord receives 10% of the value of the property as the gross financing amount, the final repayment percentage at the end of 5 years will be
14% of the then value of the property
Examples
If a Landlord receives £100,000 (10% of the value of a property worth £1 million), the final repayment amount will be
£140,000 (14% of £1million, if the value of property remains the same)
or
£154,000 at a property value of £1.1 million (14% x £1.1 million)
or
£112,000 at a property value of £800,000 (14% of £800,000)
after 5 years.
Does Pauzible truly participate in the downside risk?
Yes, the repayment amount is dependent on the market value of the property.
Pauzible may even lose its entire investment if the value of property falls below its mortgage value when the contract is terminated.
For instance, in the event that the BTL property is sold, Pauzible only receives funds from the proceeds of the sale. If the amount received is less than what is owed to the first mortgage lender, the landlord is not expected to make whole Pauzible’s loss.
This is unlike most other property financing, where borrowers are expected to repay the principal irrespective of the proceeds from the sale of the property.
Who is eligible for Pauzible's financing?
Pauzible provides financing to owners of business buy-to-let (BTL) properties in England and Wales who reside in the UK.
Pauzible's financing is subject to its proprietary underwriting criteria.
How long does it take to receive Pauzible financing?
Typically disbursed two weeks after the financing agreement has been executed.
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.
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