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Australian FinTech startup Block Earner has unveiled the nation’s inaugural mortgage product that permits the use of Bitcoin as collateral without the need to liquidate the assets.
Source: Block Earner app
Block Earner has announced the introduction of a Bitcoin-secured mortgage. This innovative program allows investors to utilize BTC as collateral to obtain funds for a down payment on real estate, covering up to 50% of the property’s value, while the remaining amount is financed through a conventional mortgage lender. The BTC-secured loan is available for a term of up to four years, with options for early repayment without incurring penalties, and repayments can be made in either fiat currency or cryptocurrency.
The criteria for evaluating financial capability is also undergoing a significant transformation. Previously, factors such as salaries, savings, and pension contributions were the primary considerations; now, digital assets are also factored in. Due to the divisibility of BTC, its value is assessed with great accuracy when determining a client’s creditworthiness. The Bitcoin is held through an institutional custody solution provided by Fireblocks.
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This offering comes at a time of record-high Bitcoin prices and an increasing acceptance of cryptocurrencies as a store of value. As per estimates mentioned in the press release, Australia’s overall crypto market reached 91.43 billion Australian dollars in 2025, with over 3.9 million holders of crypto assets. Approximately half of these individuals maintain their investments in BTC, with private crypto assets amounting to 20–22 billion Australian dollars.
Interest in the product is already evident. During a brief series of initial presentations in various cities, the demand for mortgage solutions surpassed 110 million Australian dollars. Block Earner is currently in the process of establishing partnerships with mortgage institutions. The widespread Bitcoin lending program is anticipated to launch in 2025.
Charlie Karaboga, CEO and Co-Founder of Block Earner, remarked that crypto mortgages represent not only a financial advancement but also a shift in how the digital generation perceives wealth and investment strategies.
Similar initiatives are emerging in the U.S., where the Federal Housing Finance Agency (FHFA) is contemplating the inclusion of cryptocurrencies in mortgage applications without the obligatory conversion of digital assets into fiat.
Сообщение Australia Launches First Mortgage Secured by Bitcoin появились сначала на CoinsPaid Media.
