Unlock property wealth
No sale now, no extra debt
Avoid falling into debt or taking out a loan with high interest rates
Receive monthly payments to help you with rising costs or unexpected spending
Get more time to sort out your finances
Don't be forced to sell your home now, sell it only in a better market
Who is eligible?
Homeowners
whether you live with your family, friends or alone
BTL landlords
whether you have one investment property or a portfolio
Make the most of your home by accessing the wealth built up in your property
Compare Pauzible
Second mortgage
Credit card
Make your home work for you
Pauzible's mission
Reinventing home finance
Better life for owners with Pauzible
The simplest way to access the wealth built up in your property
Get cash now without taking on debt or even having to sell your property
Helping the community during this difficult time
14 consecutive interest rate hikes by the Bank of England since December 2021
More than 1.5 million British homeowners have their low fixed rate mortgage deals expiring in 2024
Mortgage arrears rose to 1.14% hitting a six-year high, reflecting the impact of high borrowing costs on household finances
Pauzible in the media
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FAQs
What does Pauzible do?
Pauzible provides you with the opportunity to freeze your mortgage payments at the same level as before the remortgage, for the period of your current fixed rate subject to a maximum of five years, thereby protecting your property for you. At the end of this freeze period, you resume your full mortgage payments, as before. In return, we receive a share of the value in your property based on the amount of mortgage payments we agree to make on your behalf. You have the option to buy back our share or sell your property anytime during the ten-year period. Otherwise, you settle with us when you remortgage or sell the house.
Who is Pauzible right for?
Pauzible may be the right solution for homeowners, who intend to own and remain in their property for more than three years and have sufficient equity in the home. To find out if you qualify, express your interest and we will be in touch.
Who is Pauzible not right for?
While it is not possible to list all the cases for whom the product is not suitable, some of them are highlighted below.
- if you intend to live in your property for only a short period of 3 years or less
- if you have not built sufficient equity in your home
- if you have a recent history of payment arrears on your debt such as mortgage, credit card, personal debt etc.
- if you have had a bankruptcy, IVA, CCJ or DRO in the recent past
- certain types of properties are not eligible such as mobile homes, houseboats, holiday homes, park homes, farms.
Who are 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. Our objective is to protect homeowners from losing their homes by helping pause their mortgage hike in exchange for a share of the value of their property.
