Lenders assess crypto value using real-time market pricing from approved exchanges. During the loan term, periodic revaluations may be required due to market volatility.

If the value of your collateral drops significantly, a margin call may be triggered, requiring you to provide additional assets or partially repay the loan.

Yes, there are several ways to do this:

• Crypto-backed loans: Borrow against your crypto holdings and use the liquidity to make mortgage payments.
• Converting crypto to fiat: Sell part of your crypto portfolio (subject to tax considerations) to cover mortgage instalments.
• Direct payments: Only a few lenders currently accept direct crypto payments.

Enness will advise on the most efficient structure.

Traditional lenders do not typically accept crypto income directly as a deposit due to regulatory and volatility concerns.

However, you may convert crypto into fiat and use it for a deposit, provided you can demonstrate a clear, compliant source of funds. Enness will advise on structuring this correctly to meet lender requirements in the UAE or abroad.

Yes. Enness works with UK and international lenders that accept crypto as collateral, enabling UAE residents to purchase prime property in London and across the UK without liquidating their digital assets.

Loan terms are based on:

• Your crypto portfolio
• Wider assets and income
• Your long-term repayment or refinancing strategy

Crypto-backed mortgages can be used to purchase:

• Residential homes
• New-build or off-plan property
• Investment properties
• Buy-to-let portfolios
• Luxury real estate globally
• Selected commercial properties

Enness structures high-value transactions across the UAE, UK and Europe.

Most lenders accept:

• Bitcoin (BTC)
• Ethereum (ETH)
• Leading stablecoins (varies by lender)

Some will consider additional assets subject to liquidity and volatility assessments. Enness will guide you on which of your assets will be accepted.

Key considerations include:

• Volatility: Falling crypto values may trigger margin calls.
• Limited lender appetite: Only specialist institutions accept crypto as collateral.
• Concentration risk: High-value loans require thorough structuring to minimise exposure.

Enness builds contingency plans into every transaction to mitigate risk.

Yes, in many cases, you can refinance or restructure an existing loan using cryptocurrency as collateral. Some crypto-backed lenders even offer open-ended or flexible terms, reducing the need for strict refinancing timelines.