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What is a Crypto Mortgage?

A crypto mortgage is a home loan that uses cryptocurrency as collateral. This allows borrowers to keep their crypto assets while using their value to secure a loan, keeping their crypto assets and future gains.

How it works:

  • Collateral: The borrower agrees a specific amount of cryptocurrency to the lender
  • Loan terms: The interest rate and loan term are agreed upon. These are based on the value of the collateral and the borrower's profile
  • Repayment: The borrower makes monthly mortgage payments, in the same manner as a traditional mortgage

Working with a specialist broker like Enness will provide you with expert advice when navigating the niche crypto mortgage market.

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What is a Crypto Mortgage?

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Our Crypto Mortgage Experts

Our team of specialists has extensive experience in facilitating property purchases using cryptocurrency. Whether you’re buying a luxury home or an investment property, we offer expert guidance and dedicated support to ensure a smooth and efficient transaction.

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Crypto Mortgage FAQ's

Can You Get a Mortgage with Crypto?

Yes, you can get a mortgage by lending against Crypto. It can, however, be difficult to source a lender who will accept cryptocurrency; that is where Enness comes in. We have vital experience in Crypto-backed lending and can source the industry's best possible rates. Also, Enness has access to over 500 lenders, many of which will allow individuals to lend against Crypto.

Are Crypto Mortgages Available Internationally?

Yes, crypto mortgages are available internationally. Depending on the lender and jurisdiction, crypto mortgages can be used as cross-border transactions. Lenders are, however, more cautious with these loans, so it is best to speak with an expert broker who can give you peace of mind and source the best rates possible for your individual needs. This allows for more flexibility for international buyers looking to purchase a property abroad. This is an ideal solution for individuals looking to leverage their digital assets.

How is the Value of my Cryptocurrency Assessed for a Mortgage?

The value of your cryptocurrency is typically assessed based on its current market price at the time of the loan application. Lenders often use trusted cryptocurrency exchanges to gauge the asset's value. Regular assessments of the value could possibly be required during the loan term to reflect the fluctuations of the market. Ultimately, cryptocurrency is looked at as another asset that could be liquidated in the case of default.

Can I pay My Mortgage with Crypto?

Yes! You can use cryptocurrency to pay off your mortgage in several ways:

  • Crypto-Backed Loans – Borrow against your crypto holdings on lending platforms and use the funds to pay your mortgage without selling your assets.
  • Selling Crypto for Cash – Convert your crypto into fiat currency and use it to pay off your mortgage. Keep in mind potential capital gains taxes.
  • Direct Crypto Payments – Some lenders and real estate companies accept cryptocurrency for mortgage payments, though this option is less common.

Can Crypto Income Be Used as a Deposit for a Mortgage?

Currently, most traditional lenders do not accept cryptocurrency income for a mortgage deposit. This is because crypto is considered an unregulated asset, making it difficult for banks to verify its legitimacy and stability.

However, you can convert your crypto into fiat currency, deposit it into your bank account, and use it for your mortgage deposit—provided you can prove the source of funds and meet the lender’s requirements.

Can I Get a Mortgage in the UK Using Bitcoin or Crypto?

Yes, crypto-backed mortgages are available in the UK. Enness works with lenders open to using crypto as security, enabling clients to purchase UK property without liquidating their assets. These mortgages are structured around your crypto portfolio’s value and your exit strategy.

What Properties Can I Buy with a Crypto Mortgage?

Crypto-backed mortgages can be used to buy residential homes, investment properties, luxury real estate, and even commercial assets. Enness structures high-value crypto lending for a wide variety of property types globally.

What Types of Crypto Can Be Used for a Mortgage?

Most lenders accept major assets like Bitcoin (BTC) and Ethereum (ETH). Some will also accept stablecoins or other high-cap liquidity tokens. Enness can advise on which assets qualify based on the lender’s requirements and volatility exposure.

What Are the Risks of a Crypto-Backed Mortgage?

The key risk is asset price volatility. If your collateral value drops, lenders may trigger a margin call or request additional collateral. Enness structures deals to minimise exposure and ensure contingency plans are in place.

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Crypto Mortgages Made Simple

Whether you’re purchasing a luxury home or an investment property, our team ensures a seamless process, delivering expertise and discretion every step of the way.

Explore how crypto-backed mortgages can work for your plans. Contact Enness to discuss your property ambitions and how we can help you secure the right finance.

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