Need cash now?

Unlock your BTL equity

Get 10% of your property value now with Pauzible! We receive 10% of future value and 10% of the appreciation when you sell, remortgage, or buy back our right.*

*Terms and conditions apply. Enjoy the cash indefinitely, as long as you pay a monthly premium.
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Assumptions & Disclaimer

Assumptions
1. 5% mortgage rate for a remaining 25 year mortgage term.

2. Over the last 50 years UK property prices have increased on average by 5% per year.
Disclaimer
This calculator is for informational and illustrative purposes only and is based on some general hypothetical assumptions. The calculations may not reflect results based on your actual individual circumstances. The pricing methodology used for the purposes of the calculations is proprietary and is subject to change without notice. Past performance may not be a reflection of future results.

Supporting landlords

Pauzible
Receive

cash upfront to use however you want

Pause

Refurbish your buy to let or finance the deposit for your next purchase

Protect

your finances

Protect

Typically much smaller amounts than a bridging, or second charge loan

Prosper

with your investment

Progress

Continue to benefit from future price appreciation

Calculator

A quick and simple solution for landlords to unlock wealth in their investment property.

Please contact us to find out how much cash you could potentially access
Pauzible

Why

Pauzible

Quick access to cash

No lengthy application process or affordability check. Quick and simple process.

No fixed term

There is no end date for the agreement. You decide if and when you want to settle with Pauzible

Keep most of the upside

On settlement, Pauzible gets 10% of the value of the property and 10% of the upside. You keep the rest

How Pauzible works

Unlock up to 10% of your BTL's value today. There is no fixed term. You can buy back Pauzible's right whenever it suits you.

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 10% of the property price at exit & 10% of the realised upside.

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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. Pauzible pays Landlord 10% of the value of the property today, this gives Pauzible an option to purchase the property in the future at 90% of its then market price + receive 10% of upside from agreement date.

2. Landlord has an option to defer our purchase by paying a regular monthly option premium. (initially incidentally equal to 10% of initial rent, subject to annual CPI adjustment).

3. If Landlord stops making premium payments, we have the right to buy the property at 90% of future market value less 10% of realised upside.

4. Landlord can buy out our right if they pay us 10% of future property price + 10% of realised upside. This can be through a sale, remortgage or use of own funds. 5. The agreement has no end date - so can continue to perpetuity.

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. Instead, we purchase an option to buy this property in the future under certain conditions. As long as you pay the monthly premium, Pauzible's option cannot be exercised. However If you stop paying the monthly premium, Pauzible has the right to buy your property at a 10% discount and receive 10% of any property appreciation. 

More specifically:

1. Pauzible pays Landlord 10% of the value of the property today, this gives Pauzible an option to purchase the property in the future at 90% of its then market price + receive 10% of upside from agreement date.

2. Landlord has an option to defer our purchase by paying a regular monthly option premium. (initially incidentally equal to 10% of initial rent, subject to annual CPI adjustment).

3. If Landlord stops making premium payments, we have the right to buy the property at 90% of future market value less 10% of realised upside.

4. Landlord can buy out our right if they pay us 10% of future property price + 10% of realised upside. This can be through a sale, remortgage or use of own funds.

5. The agreement has no end date - so can continue to perpetuity.

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.

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