Crypto Mortgages

Yes, crypto mortgages are available internationally. Depending on the lender and jurisdiction, crypto mortgages can be used as cross-border transactions. Lenders are, however, more cautious with these loans, so it is best to speak with an expert broker who can give you peace of mind and source the best rates possible for your individual needs. This allows for more flexibility for international buyers looking to purchase a property abroad. This is an ideal solution for individuals looking to leverage their digital assets.

The value of your cryptocurrency is typically assessed based on its current market price at the time of the loan application. Lenders often use trusted cryptocurrency exchanges to gauge the asset's value. Regular assessments of the value could possibly be required during the loan term to reflect the fluctuations of the market. Ultimately, cryptocurrency is looked at as another asset that could be liquidated in the case of default.

Yes! You can use cryptocurrency to pay off your mortgage in several ways:

• Crypto-Backed Loans – Borrow against your crypto holdings on lending platforms and use the funds to pay your mortgage without selling your assets.
• Selling Crypto for Cash – Convert your crypto into fiat currency and use it to pay off your mortgage. Keep in mind potential capital gains taxes.
• Direct Crypto Payments – Some lenders and real estate companies accept cryptocurrency for mortgage payments, though this option is less common.

Currently, most traditional lenders do not accept cryptocurrency income for a mortgage deposit. This is because crypto is considered an unregulated asset, making it difficult for banks to verify its legitimacy and stability.

However, you can convert your crypto into fiat currency, deposit it into your bank account, and use it for your mortgage deposit—provided you can prove the source of funds and meet the lender’s requirements.