Debt And Equity with HiP

Need to know more about debt and equity? It’s time to throw away the rule book, because HiP has rewritten what it is to unleash your property wealth.


Access equity at anytime


Get by financially without any penalties or strict terms

All you need to know about Dept & Equity

Knowing the difference between debt and equity is key to unlocking the true wealth of your property. Under the traditional format of mortgage lending, a homeowner could borrow more to raise the necessary capital for a project, repairs or simply to free up some cash (debt financing), or he/she could sell or remortgage the property to get hold of the equity (equity financing).

So what is the difference between debt and equity?

What’s the alternative to debt and equity financing?

Both options can give you access to money, but both have severe pitfalls.
Both traditional forms of debt financing and equity financing will:

– Have strict terms of payment
– Will rely on good credit history and income
– The house is used as collateral, which could risk your ownership

Higher rates of interest, stricter terms and bigger penalties can put off anyone in need of
getting hold of their tied up equity.

Meaning no one can ever take full advantage of their property wealth unless they sell their
home and move on.
HiP provides a much more flexible way to own a home – and the ability to use your equity to
its full potential.
Putting your property on the HiP platform allows you to do a few things

– Withdraw money from equity without moving, borrowing or losing ownership

– Trade your equity against your loan, reducing the amount you borrow

– Use your equity to cover your monthly repayments


How HiP can help you unleash your property wealth

We believe that homeowners should be able to benefit from the equity built up in their homes how and when they want. We believe that being able to access your equity can improve your finances.

How your equity can help you in the hard times

Remember the phrase that is drummed into every homeowners’ head: “Your home is at risk if you do not keep up repayments”? In normal circumstances, if you miss one month’s payment on your mortgage, you receive a warning from your lender. Miss three month’s payments, and your home will become repossessed. Not with HiP.
With HiP, it doesn’t matter if you skip a month, or a longer. Your equity will cover any months where you’re not able to pay the usual amount. This would be idea for anyone in a situation where they could do with some extra cash for a
period of time.

How you can get away with NEVER paying your mortgage

In certain situations, like in London, there are some property values that are increasing by a few thousand pounds every month. On the HiP platform, in theory, you could get away without making a monthly repayments for years, as the fast growing equity would be able to cover any repayments. Of course, many homeowners would like to keep paying into their loan regardless of their home’s value increase, but it does highlight how incredibly powerful equity can be.

Other people can invest in YOUR house with THEIR equity (…and you can do it too).

This is where it gets interesting. You have equity in your house. You know HiP allows you to access it anytime. But the money in your home isn’t working to its full potential. In fact it’s just sitting there.
What if you could transfer your equity into a property in an area that is seeing huge rises in prices?

Kate’s option 1: receive earnings monthly

Kate can get any earnings from it monthly, and if it receives rental income, kate receives a fraction of the rent.

Kate’s option 2: Wait for growth in value

Kate can leave it in the property and let it grow in value – the owner must pay her back when they move or sell, just like a mortgage.

Kate’s option 3: Complete Flexibility

Or Kate can move between the first two options, depending on her current circumstances. In fact, thanks to HiP re-working the rules on home ownership and unleashing equity, being a property landlord has never been so attainable.

So while Kate’s repayments might go up on their own house, that will be more than covered by the income received on the equity in the house in London.

Example of how it works

Here is Kate from Bristol

Kate has £100,000 equity in her home. However, property prices in that particular area are steady but slow. In order to get more from her money, she decides to transfer her equity into a house situated in a faster moving economy like London. On the left are Kate’s options with HiP


HiP is the NEW Way
to finance property

HiP Property: Our Aims

Reinvent the way you look at property investment

HiP is hugely beneficial to property owners, changing the way we can use bricks and mortar into something with far more fluidity than ever before. It is a debt and equity exchange, with investors all over the world interested in putting their money into property.

Turn Your Property Into a Bank Account

For you, this means a democratised property market; withdraw money from equity without moving, borrowing or losing ownership, use your equity to cover your monthly mortgage repayments, or trade your equity against your mortgage.

Flexibly in the high-yield property markets without limits

We allow you to do all this, and much more, without the penalties, costs and charges that a traditional lender would impose. Whatever your property investment or finance needs may be, HiP is on hand to help you take your next step.

HiP is regulated by the FCA

HiP UK will be regulated by the FCA*

And have an agreed licence for trading in the UK and Europe. *As we go live these permissions are being reviewed.

HiP is based in London

HiP UK is based in London.

HiP's 20+ staff operate from Camden, London. With registered address in Bristol.

HiP is award winning

HiP is award winning

We have won an awards and been shortlisted for more. We came second in the worldwide PropTech Innovation Awards and as Bronze in the Digital Impact award 2017 for “Best use of digital by sector”.

What people are saying about HiP

HiP is creating a buzz in the property world, but especially in the first time buyers market.

"Hip has incredible potential. It brings accessibility and transparency to the property market for owners, occupiers, investors and developers, and allows them to take control and leverage the balance of their debt to equity to their own advantage."

Paul Danks,

Newmark Grubb Knight Frank

“HiP could solve the UK housing crisis”


Peter Bill,

Author of Planet Property

"It’s a game changer, and a very exciting one."

Sophie Eastwood,

Global board director of Young Entrepreneurs in Property (YEP) and founder of specialist property PR consultancy, Holistic

Register your interest

Just fill out the form on this page now, and you’ll be the first to find out about HiP, which we are busy creating. We can’t wait for you to join the property revolution.


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HiP Interactive Property; Unlocking your property wealth



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HIP INTERACTIVE PROPERTY UK LIMITED is registered in the UK, and adheres to The Standards of Lending Practice.

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