Homeowners go back to

Your 2.5% mortgage

Pauzible pays the mortgage top up, which could take your mortgage rate back to 2.5%, in return for a fair share in the value of your property.

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Back to 2.5%

Pauzible
5 years

of mortgage help

Pauzible

Allows you time to overcome mortgage payment difficulties without incurring extra debt

Affordable

monthly payments

No extra debt and live in your home exactly as before mortgage rates rise

Home

secured

Avoid mortgage arrears. Do not be forced into selling your home

Your home

stays yours

01

Stay in full control of your home

02

During the pause, lower the mortgage rate to 2.5%

03

Resume full mortgage payments after the pause

04

Settle Pauzible's share anytime within 10 years

Get Started
Pauzible

Mortgage chaos? Pauzible Offers a Lifeline for Troubled Homeowners

For many UK homeowners, rising interest rates and soaring living costs are turning the dream of homeownership into a burden. The stress of paying significantly more for the same mortgage can feel overwhelming. But don’t panic, with Pauzible’s equity participation scheme, you can pause the increase in your interest rates for up to 5 years.

You have dedicated a lot of time and resources into your home, and Pauzible believes that you should not have to pay such a high interest rate or even worry about losing your home. So whether you want to pause your rising interest rates, get access to monthly payments, and you simply want to avoid a forced sale of your home, we can help you!

How does it work?

Pauzible allows you to pause your mortgage payments at their current level for up to five years. In exchange for a small share in the property value, we will pay the difference between your current and higher interest rate, so you can continue paying a lower rate. 

This isn't just about temporary relief from mortgage payment difficulties. It's an opportunity to regain control of your finances and protect your home.

Here's the best part

You retain full ownership of your home throughout the process. There's no additional debt, and your monthly payments resume seamlessly after the freeze period ends. Plus, we share a fair portion of the future property value when you eventually sell, ensuring everyone wins.

Pauzible isn't just for those on the brink of foreclosure. It's for any homeowner who feels the squeeze of rising mortgage costs and wants to secure their financial future. If you're struggling to pay your mortgage, don't wait until it's too late. Take the first step towards mortgage support and reach out to us today.

Here are some key benefits of Pauzible

Pause your mortgage payments for up to 5 years: Even if interest rates continue to rise, you keep your rates low

No additional debt or increased payments: Enjoy affordable lower monthly payments without extra debt

Retain full ownership of your home: You're still in control. You are free to sell or refinance you home and enjoy property appreciation anytime within the 10 years.

Simple and transparent process: The process is quick and simple. You will have an expert with you every step of the way

Experienced and supportive team: Our team has over 100 years of experience in the financial and property market

Unlock the Value of Your Home: Enjoy extra cash or benefit from the increase in your home’s value after the 10 years

Don't let mortgage payment difficulties steal your peace of mind or your home. We are here to offer help with your mortgage and guide you towards a brighter financial future. Contact us today to learn more and see if you qualify for this mortgage support solution.

Struggling to afford mortgage payment hikes?

Pauzible's alternate solution could keep monthly payments affordable for upto 5 years. Contact us to see if you qualify.

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FAQs

How does Pauzible help with rising mortgage payments in the UK?

Pauzible offers a unique solution for UK homeowners facing the stress of rising mortgage costs. We can help you freeze your mortgage payments at their current level for up to five years, protecting you from financial strain and potential home loss.

Who can benefit from Pauzible's mortgage support?

If you're struggling with mortgage affordability, Pauzible can be a lifeline. To qualify, you must:

  • Own a home in the UK
  • Have sufficiHave sufficient equity in your propertyent equity in your property
  • Intend to own the home for at least three years
  • Be facing challenges with mortgage payments due to rising rates or remortgages
How can I get help with my mortgage through Pauzible?

It's simple:

  • Express your interest on our website, Get Started.
  • We'll assess your situation and eligibility.
  • If you qualify, we'll discuss your specific needs and tailor a plan to freeze your payments and provide relief.
What makes Pauzible different from other mortgage support options in the UK?

Unlike traditional solutions like loan extensions or second mortgages, Pauzible doesn't add to your debt or increase your monthly payments. You simply pause your current payments, giving you the breathing space to regain financial stability.

Does Pauzible affect my homeownership?

No. You retain full control of your property and enjoy all ownership benefits. We simply share a small portion of the eventual sale value, which increases alongside your home's market value.

What are the costs associated with Pauzible?

We charge a one-time fee of 3% of the transaction value for arranging the investment. There are also additional third-party costs like valuations and legal fees, which we'll explain transparently.

Why choose Pauzible for mortgage help in the UK?

We understand the emotional and financial stress of mortgage pressure. Pauzible offers a secure, flexible solution to help you protect your home, regain control of your finances, and achieve peace of mind.

Homeowners go back to

Your 2.5% mortgage

Pauzible pays the mortgage top up, which could take your mortgage rate back to 2.5%, in return for a fair share in the value of your property.

Get Started

Back to 2.5%

Pauzible
5 years

of mortgage help

Pause

Allows you time to overcome mortgage payment difficulties without incurring extra debt

Affordable

monthly payments

Protect

Pauzible helps you deal with the mortgage crisis by taking your mortgage rate back to 2.5%

Home

secured

Progress

Avoid mortgage arrears. Do not be forced into selling your home

Explore Pauzible

Get Started
Pauzible

Your home

stays yours

01

Keep living in your home

02

During the pause, lower the mortgage rate to 2.5%

03

Resume full mortgage payments

04

Settle Pauzible's share within 10 years

Get Started

How Pauzible works

Fixed rate ends soon

Your fixed rate mortgage is coming to an end. Your new mortgage rate is expected to be significantly higher

01

New rate unaffordable

New monthly mortgage payment is too high. You consider selling your house

02

Enter Pauzible

Pauzible pays your mortgage hike for up to 5 years, while you make low monthly mortgage payments as before

03

Pauzible's share

In return for the monthly mortgage increase payments, Pauzible gets a share in the value of your home

04

Resume full monthly

After the pause, our payments stop and you resume making full mortgage payments while still keeping your home

05

Settle when you want

Anytime during a 10-year period, settle our share if you sell or remortgage your property, or if you decide to buy back our share. After 10 years pauzible has the right to buy your share of the property at market value

06

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 home for you. At the end of this freeze period, you resume your full mortgage payments.  In return we receive a share in the value of your home 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?

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.

Can I buy out Pauzible's share in my home?

You have the option to buy out Pauzible's share at any time during the 10-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.

If I go with Pauzible, who owns the home?

You still own the home! You control the property and receive all the benefits of home ownership, such as sole occupancy rights. Pauzible is not an owner. We, however, share a portion of the future value of your home, as an investor.

For how long can I pause my mortgage increase with Pauzible?

You can usually pause your mortgage hike for periods of between 2 and 5 years, in return for a share of the value of your home. If you need to extend for longer at the end of the period, we might be able to do so, provided you qualify.

What happens if the value of my home goes down?

Pauzible receives a share of the sale or market price of the home. If the value goes up, you make more and we make more. If the value doesn’t go up, we make less.

How is  Pauzible different from lending options such as a second mortgage?

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

What are the fees and costs associated with Pauzible?

Pauzible charges a fee equal to 3% of the transaction value for arranging the investment. Also our share of the value of your home 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.

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.

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