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Bitcoin/Crypto Mortgages

A crypto mortgage is a relatively new concept that allows you to use your cryptocurrency as collateral to buy a home.

Crypto mortgages are loans taken out to buy a home, but instead of using traditional currencies like pounds or dollars, they involve cryptocurrencies like Bitcoin or Ethereum.

Essentially, instead of selling your crypto, you can use it as a form of security for the loan.

Can You Get a Crypto Mortgage in the UK?

As of now, crypto-backed mortgages have not been formally launched in the UK. However, some mortgage lenders do allow profits from cryptocurrency to be used towards a mortgage deposit.

Notably, Barclays, Tandem Bank, Bluestone Mortgages, and Pepper Money are among the banks that accept mortgage deposits from the sale of crypto.

How Does A Crypto-Backed Mortgage Work?

In a crypto-backed mortgage, the loan amount is determined based on the value of your cryptocurrency, such as Bitcoin (BTC), Ether (ETH), or USD Coin (USDC).

These digital assets are then held as security until the loan is repaid. This process is similar to traditional lending models, where borrowers can borrow and lend in exchange for a fee or interest.

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