What Pauzible does

Pauzible is a UK-based property finance provider that offers an equity partnership product to buy-to-let (BTL) landlords in England and Wales. The company was founded in 2023 by four financial services veterans — Prateek Solapurker (ex-HSBC, 20 years), Rajesh Pai (ex-Barclays Capital, Deutsche Bank, UBS), Sunil Chander (ex-NatWest, Smith New Court), and Aivanaa Maraea (ex-ASIL) — who bring institutional-grade structured credit and risk management expertise to a niche traditionally served by high-street lenders. Under the structure, a landlord receives up to 10% of their property value (capped at £150,000 per property or 10% of value, whichever is lower) in upfront cash for business purposes, in exchange for monthly premiums linked to rental income (starting at approximately £150, indexed annually to RPI+1%) and a final exit payment of up to 14% of property value at the end of the 5-year term. Pauzible participates in downside risk after year 3, repaying less if property values decline, which differentiates the product from conventional second-charge lending or equity release.

The company's revenue model combines upfront transaction fees (£900 arrangement, £269 survey, £480 legal, £275 search, £116 BACS/land registry) with recurring monthly premium income and a deferred value-linked exit payment. Distribution is hybrid: a direct-to-consumer digital channel featuring an online cost-and-fees calculator and multi-step application (with a stated 3-week application-to-funding timeline), supplemented by a B2B2C partner referral network of mortgage brokers, estate agents, surveyors, solicitors, and contractors who earn commission per closed referral. A Knowledge Hub and Insights blog authored by the co-founders drive top-of-funnel organic acquisition and thought leadership. Pauzible is registered with the FCA for anti-money laundering supervision only (registration no. 1053392) — it is not authorized for broader regulated activities, so customers do not benefit from Financial Ombudsman Scheme or FSCS protections — and is registered with the ICO (ZC088971) for data protection. Underwriting relies on third-party credit reference agencies (TransUnion, Equifax, Experian). The company has not disclosed any external funding, transaction volume, or revenue figures, and currently operates as an 11–50 person team headquartered at 38 Lombard Street, London.

Name

Pauzible

Legal name

Pauzible Asset Services (UK) Limited

Website

https://pauzible.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

11–50 employees

Short description

Pauzible is a UK-based property finance provider offering buy-to-let landlords an equity partnership product to unlock up to 10% of property value upfront, in exchange for monthly premiums linked to rental income and a capped share of future appreciation over a 5-year term.

Ownership category

akta.pro rank

Product category

Alternative Property Finance

NAICS

Lessors of Real Estate (5311)

SIC

Real Estate Dealers (For Their Own Account) (6532)

akta.pro primary industry

Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)

Keywords

• Buy-to-let financing
• Equity partnership
• Property equity release
• Landlord financing
• Alternative property finance

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Equity Partnership Revenue: Pauzible generates revenue through a combination of upfront fees (arrangement, survey, legal, and search fees) and ongoing monthly premiums paid by landlords throughout the 5-year term. The primary revenue mechanism is a share of the property's future value at exit, capped at up to 14% of the property value. This creates alignment where Pauzible benefits from property appreciation but also participates in downside risk, repaying less if property values fall after year 3.
2. Monthly Premium Income: Landlords pay a monthly premium linked to their rental income throughout the 5-year financing term. The monthly premium increases annually by inflation (RPI+1%).

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Pauzible offers a BTL Equity Partnership Financing product for UK buy-to-let landlords. Landlords receive up to 10% of their property value in cash upfront for business purposes, paying a monthly premium linked to rental income over a 5-year term, with final capped repayment of up to 14% of the property's value at exit. The product includes downside protection, meaning the repayment obligation reduces if property values fall after year 3.

Product overview

Pauzible operates as a property finance platform offering a single core BTL Equity Partnership Financing product. This product enables landlords to access up to 10% of their buy-to-let property value in cash for business purposes, with a 5-year term and flexible exit options. The offering is supported by a Cost & Fees Calculator tool for upfront cost estimation, a Knowledge Hub providing landlord education content, an Insights blog covering market perspectives, and a Partners Program for professional referrals. The products work together to provide end-to-end support from initial enquiry through to property equity release.

Differentiator

Problem solved

Functional benefit

Products and services

• BTL Equity Partnership Financing

Quantifiable outcome

• 3 weeks from application to funding
• +3 more outcomes

Named customers6 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Selina Finance: UK-based shared-appreciation mortgage lender for BTL landlords, offering upfront cash in exchange for a share of future property value. Most direct product competitor to Pauzible's equity partnership, serving the same landlord segment in the UK.
• Landbay: UK peer-to-peer lending platform focused exclusively on BTL mortgage lending, connecting individual and institutional lenders to landlords. Comparable as a specialist BTL finance provider with a digital-first model serving the same target landlord base.
• LendInvest: UK specialist property finance platform offering BTL, bridging, and development finance through a digital platform. Comparable as a tech-enabled alternative property lender serving landlords and investors with non-mainstream funding needs.
• Proportunity: UK shared-ownership / shared-appreciation lender for residential property buyers, providing equity capital in exchange for a share of future property value. Highly comparable equity-partnership business model adapted to the owner-occupier market rather than BTL.

Emerging players

• Stride: UK shared-ownership mortgage provider for first-time buyers, offering lower-deposit home ownership with equity participation. Comparable shared-appreciation structure to Pauzible but serving a different customer segment.

Broad incumbents

• United Trust Bank: Established UK specialist bank offering BTL mortgages, bridging finance, and structured property lending through intermediary channels. Comparable as a BTL-focused lender with institutional scale, but offers traditional debt products rather than shared appreciation.
• Foundation Home Loans: UK specialist mortgage lender offering BTL and residential mortgages through a large intermediary network. Comparable as an established BTL lender serving the same landlord segment via broker channels, though operating on a traditional debt model.
• Kensington Mortgages: UK specialist lender providing residential and BTL mortgages to non-standard borrowers, distributed through intermediaries. Comparable as a specialist UK mortgage lender serving landlord and property investor customers via broker partners.
• Fleet Mortgages: UK specialist BTL mortgage lender offering a range of fixed and variable rate products exclusively to landlords via intermediary distribution. Comparable as a BTL-focused lender serving the same target market through a similar partner channel.
• Together Money: UK specialist lender offering residential, BTL, bridging, and secured loans through intermediary channels. Comparable as a specialist secured lender serving landlords and property investors with non-mainstream financing needs.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/pauzible
• Facebookfacebook.com/thatsPauzible

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pauzible