Bitcoin Home Loans
Unlock your home deposit
Potentially save thousands on LMI while maintaining your Bitcoin exposure.* Start your home loan application ->
Crypto-Backed Loans
Apply in-app or speak to our Bitcoin Home Loan team
How Bitcoin
Home Loans work
Block Earner provides a Bitcoin-backed loan to fund your home deposit. Century 21 Home Loans works with lending partners to supply the mortgage. This lets eligible Australians use their Bitcoin to access the property market without having to sell it.
Crypto & property details
Start your application by sharing your contact details, property goals and Bitcoin holdings.
Step 1
Mortgage details
You’ll work with Century 21 Home Loans to get your mortgage pre-approved.
Step 2
Bid with confidence
We’ll arrange your deposit and the next steps with Century 21 Home Loans through to settlement.
Step 3
Two loans. One home purchase.
Home deposit
Use your Bitcoin as security to borrow AUD from Block Earner towards your home deposit. Available for the full home deposit or part thereof.
Mortgage
The remaining property purchase is funded through a home loan arranged in partnership with Century 21 Home Loans, subject to lender approval.
How to repay your
Bitcoin Home Loan
Your home purchase is funded in two parts: a Bitcoin-backed Home Deposit Loan and a traditional mortgage. Here’s how it works:
Home deposit
Flexible repayments, in AUD or Bitcoin
Your Home Deposit Loan is interest-only for the first 5 years, with repayments available in AUD or Bitcoin. Repay early at any time with no lock-ins or early repayment fees. At the end of the 5-year period, repay the principal balance using either AUD or Bitcoin.
Mortgage
A separate portion of your property purchase
Interest rates, loan term, repayment structure and other conditions are agreed directly between you and the traditional lender. Century 21 Home Loans will coordinate the home loan process from pre-approval through to settlement.
Download Home Loans Guide
Book a call with our team
As an AUSTRAC-registered business, Block Earner provides crypto lending in Australia, using institutional-grade custody (Fireblocks) and strict risk management. Download our loans guide and book a call to learn more.
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with Block Earner
Whether you're buying your first home, investing in property, or refinancing, Bitcoin Home Loans could help you unlock the value of your Bitcoin to make your property goals a reality.
Own your dream home
Saving a 20% deposit for your dream home can take years. Unlocking value from your Bitcoin could help boost your deposit and potentially reduce or avoid LMI.
Investment property
You don’t have to live in every property you buy. Unlocking equity from your Bitcoin could help fund your next investment property.
Refinance
Repaying your home loan early is a common goal. Releasing equity from your Bitcoin could help you pay off your loan sooner and save on home loan interest.
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Additional information
*Approved applicants only. Terms, conditions, fees and charges apply. Credit provided by Web3 Loans Pty Ltd ACN 668 516 952 and managed by Web3 Ventures Pty Ltd trading as Block Earner (ACN 655 090 869) under Australian Credit Licence 542689. Registration, application or pre-approval does not guarantee final approval or funding. Borrowing amounts, security requirements, property values, estimates and calculations displayed are indicative only and may change following assessment. Bitcoin used for a Block Earner Home Deposit Loan is held as security. Bitcoin prices can fluctuate significantly. If the value of your Bitcoin falls, your loan-to-value ratio (LVR) may increase and you may be required to provide additional security or make a repayment. If you do not restore your LVR in accordance with your loan agreement, some or all of your Bitcoin security may be sold. The mortgage is a separate credit product arranged through Century 21 Home Loans and provided by a third-party lender. Mortgage eligibility, borrowing capacity, interest rates, fees, LMI requirements, approval and other terms are determined by the relevant lender and are subject to its assessment and lending criteria. Using a Block Earner Home Deposit Loan does not guarantee mortgage approval or that LMI will be reduced or avoided. Information on this website is general in nature and does not take into account your objectives, financial situation or needs. Amounts and digital assets held with Block Earner are not protected by the Australian Government Financial Claims Scheme. Before applying, consider the applicable Terms of Use, Credit Guide, Target Market Determination and FAQs. Awards relate to Block Earner and/or its broader product suite and are not necessarily specific to the Bitcoin Home Loan product.