We pay your mortgage hike

You secure your home

Pauzible pays the increase in your mortgage costs for up to five years, in return for a share in the value of your home.

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Pauzible in the media

Assisting with your mortgage

Pauzible
Pause

your mortgage

Pause

Our payments offset the increase in your mortgage costs

Protect

your home

Protect

Retain control of your property and the decision to sell or not

Progress

in your life

Progress

Resume full mortgage payments at the end of the pause and decide when to buyback our share

Secure your Home

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Pauzible

Your property

stays yours

01

Keep living in your home

02

Lower monthly payments during the pause

03

Resume full mortgage payments

04

Buy back or settle at remortgage or sale

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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 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.

Who is Pauzible right for?

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.

How will Pauzible share be valued when I buy it back?

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.

If I go with Pauzible, who owns the property?

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.

How long can I pause my mortgage hike with Pauzible?

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.

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.

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, 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.

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 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.

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 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.

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