Crypto Finance

Crypto finance is designed for borrowers whose wealth is held partly or predominantly in digital assets. Traditional lenders often struggle to assess cryptocurrency holdings, creating challenges for otherwise strong borrowers.

Through specialist lenders and private banking relationships, Enness Global assists clients seeking liquidity against cryptocurrency holdings through crypto-backed loans and bespoke finance solutions.

Funds raised can be used for a range of purposes, including property deposits, residential property purchases, investment acquisitions, refinancing and other high-value transactions. This allows clients to unlock liquidity from digital assets without necessarily selling their cryptocurrency holdings.

Indicative Terms

Scenario	Loan-to-Value (LTV)	Pricing	Notes
Residential Property Purchase	60-80%	From ~5.0%+	Subject to affordability
Investment Property	60-75%	From ~5.25%+	Specialist underwriting
High-Value Mortgages (£1M+)	60-75%	Bespoke	Crypto wealth considered
International Borrowers	60-75%	Bespoke	Multi-jurisdiction cases
Complex Wealth Structures	Case-by-case	Bespoke	Private bank solutions

Important

Crypto finance solutions are structured individually. Not all lenders accept cryptocurrency holdings as part of underwriting, and eligibility depends on lender criteria and the borrower’s wider financial profile.

Lenders may apply specific requirements relating to asset verification, custody arrangements, source of wealth, affordability and market volatility. Cryptocurrency values can fluctuate significantly and may affect borrowing capacity, loan terms or eligibility during the application process.

Cryptocurrency-related lending criteria may vary by jurisdiction and are subject to applicable regulatory and compliance requirements.

Finance solutions are subject to status, underwriting and lender approval. Terms are indicative only and may vary.

Your property may be repossessed if you do not keep up repayments on your mortgage or any debt secured against it.