British buy-to-let properties

Landlords!Release EquityFrom your buy-to-lets

Pauzible turns your property wealth into cash while you keep 100% ownership. A partner that shares the downside as well as the upside for 2, 3 or 5-year terms.

See how it works
Terms of2, 3 or 5 years
Per propertyUp to £500K

What is Pauzible

Fixed Term Equity Partnership

Pauzible's Fixed Term Equity Partnership is secured against your property. It runs for a 2, 3 or 5-year term you choose. Pauzible shares in both the upside and the downside of the value of your property.

01Equity
£500kproperty value
Equity£200k
Mortgage£300k

Your equity is the value of your property minus the amount of your mortgage.

02Partnership
property value
Released£100k

Pauzible can release a large proportion of your trapped equity, while you retain 100% ownership of your property.

03Term

Choose the financing term that best suits your needs.

Grow your wealth with Pauzible

You release

£100,000

in cash to reinvest

The Pauzible partnership unlocks capital from your property, empowering you to invest in your business, seize new opportunities, and grow your wealth.

Expand

Buy another BTL property

Use it as the deposit on your next buy-to-let and grow your portfolio.

PROPERTYVALUERENT£450k£1,450
Improve

Renovate & add value

Fund refurbishments and EPC upgrades that lift both your rent and resale value.

£
Strengthen

Boost your cash flow

Free up working capital to reinvest in your business, cover rising costs, or steady your finances.

Financing cost, your way

Pay monthly to save overall, or defer it to the end to protect cash flow today. Link your final repayment to your property's value and share the ups and downs, or fix it upfront.

04Rent Share (Monthly)
£2,000rent
£400
YOUR SHARE£1,600

In return for unlocking your equity, Pauzible receives a small share of your rent.

05Financing Cost
0.57%
Per month
£570 x 60 months

Choose to pay the financing cost monthly or at the end of the financing term

Monthly
£400Rent share
Financing cost
£400Total
06Final Repayment (Property Value-Linked)
property value
Repayment£141K

At the end of the financing term, the repayment reflects your property's market value. Pauzible shares in both the upside and the downside.

In practice

How real landlords use Pauzible

London landlord who funded a loft conversion

Low rate kept

Sam & Jo funded a refurb and held their low rate

They had locked in a low, long-term rate to protect their returns. Pauzible released £100K against their equity. Their original mortgage stayed untouched. That paid for a loft conversion. Higher rent. Higher value. Same low rate.

Landlord who avoided a distressed sale

Liquidity freed

Ellie kept the upside when her sale fell through

A renovation ran over budget. To cover it, she put a rental on the market. A sale was agreed. At the last minute, the buyer pulled out. Pauzible released funds fast. A panic sale was avoided. She kept the property and any future upside.

Landlord who accessed a BMV deal

Deal secured

Jack & Mary moved fast on a rare opportunity

Self-made build-to-rent landlords. A below-market buying opportunity came up. The window was closing. Pauzible released £250K against their equity. Cash ready. Deal done.

Case studies are based on real Pauzible customers. Images are illustrative and posed by models to protect their identity.

Calculator

Equity Partnership in Numbers

1Amount you want to release from your property wealth?
Your equity
£
£
£80,000
£0£80,000
Near our limit
Pauzible releases
50%of your equity
20%of your property value
2How long do you want it for?
3Your payments

Choose to pay the financing cost each month or defer it to protect your cash flow. Then pick a fixed final repayment, or one that moves with your property's value.

Monthly payments

Final amount

Monthly payments

Rent share for Pauzible
£
20%
£130/mo
Financing cost

As you have chosen Rent share only, the payment of the monthly financing cost is deferred, at 0.57% per month compounded over 60 months.

0.57%
a month rolls up and settles at the end
£0/mo
Total monthly payment
Paid to Pauzible each month£130/mo

Payments at the end of the financing term

You pay back what you released, plus any financing cost not yet paid. On the property value-linked option, an adjustment is added based on how your property's value has changed.

Equity released
The cash you drew£40K
Financing cost, rolled up
Deferred and compounded until the end£16K
Property-value adjustment
If value falls−£4Kvalue 10% lower
If value is unchanged£0as today
If value rises+£4Kvalue 10% higher
Total of final payments
Paid at the end of the term£56K

If your property value is unchanged. The range above shows how it could move.

Illustrative example. Not a quote or offer.

FAQ

Your questions, answered