Encash home value

Pauzible provides you with the opportunity to freeze your mortgage payments at the same level as before your mortgage increase, for the period of your current fixed rate subject to a maximum of five years. Thus, we help you protect your buy to let investment by providing you effectively with the cheapest possible mortgage rate in the current environment. 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. Anytime during a 10-year period, settle Pauzible's share if you sell or remortgage your property, or decide to buy back our share. After 10 years, Pauzible has the right to buy you share of the property at market value.

Pauzible's Buy to Let product may be the right solution for landlords looking for effectively the lowest possible mortgage payment and who intend to own and retain their investment property for more than three years and have sufficient equity in the property. To find out if you qualify, express your interest and we will be in touch.

You have the option to buy out Pauzible's share at any time during the ten-year term of the contract. 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.

You still own your investment property! You control the property and receive all the benefits of house ownership, such as rental income. Pauzible is not an owner. We, however, share a portion of the future value of your property, as an investor.

You can usually pause your mortgage hike, which should effectively provide you with the best mortgage rate, for periods of between two and five years, in return for a share of the value of your property. If you need to extend for longer at the end of the period, in order to get the lowest effective mortgage rate for longer, we might be able to do so, provided you qualify.

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.

Unlike a second mortgage, Pauzible adds no extra debt. No extra monthly payments either. So at the end of the pause period, during which you would effectively have paid the cheapest mortgage rate, you would resume making the full mortgage payments, which could be higher than the amounts you paid prior to the increase in your mortgage rate.

Pauzible charges a fee equal to 3% of the transaction value for arranging the investment. Also our share of the value of your property is based on the total amount of mortgage payments we agree to make on your behalf. There are no other Pauzible fees. There would be additional third party costs such as valuation fees, title searches etc.

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 with the buy to let product is to best protect landlords from losing their investment property by helping pause their mortgage increase in exchange for a share of the value of their property.