Block Earner Bitcoin-Backed Home Loan

Bitcoin Mortgages

Block Earner launched Australia's first Bitcoin-backed home loan in July 2025 following a Federal Court ruling that its crypto lending products are not classified as financial products under Australian law. The product provides a Bitcoin-collateralized deposit loan covering up to 50% of a property's purchase price at 60% LVR, with the remainder financed by a traditional mortgage lender — enabling buyers to enter the property market without selling their Bitcoin. The loan is interest-only for up to four years, with Bitcoin held in institutional-grade custody via Fireblocks.

Details

Lender: Block Earner
Ltv Max: 50%
Notable: Australian fintech offering Bitcoin-backed home loans; first of its kind in Australia
Regions: Australia
Loan Type: Bitcoin-backed home loan
Bitcoin Only: No
Founded Year: 2021
Jurisdiction: Australia
Interest Rate: variable
Max Ltv Percent: 60
Accepts Btc Collateral: Yes

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