Australia unveiled Bitcoin-backed home loans, allowing crypto collateral for mortgages, while the US considers legislation to include crypto holdings in mortgage evaluations, signaling a global shift in property financing.
Australia has introduced its first Bitcoin-backed mortgage, opening new doors for crypto holders to enter a market long plagued by affordability issues.
After a two-year battle with regulators, Block Earner rolled out the product leveraging a landmark court ruling that exempted its crypto lending services from financial licensing requirements.
This innovation allows homeowners to use Bitcoin held securely on Fireblocks as collateral for cash loans covering up to 50% of their property's value, paired with a standard mortgage.
This approach circumvents the need to liquidate digital assets, benefiting nearly one-third of Australians who own cryptocurrency and transforming the traditional financial model that relies heavily on income and superannuation records.
U.S. Legislative Momentum Fuels Crypto Lending Growth
The Australian move parallels momentum in the United States, where the Federal Housing Finance Agency (FHFA) has tasked Fannie Mae and Freddie Mac with integrating cryptocurrency holdings into mortgage underwriting standards. This follows a June directive to count crypto on regulated exchanges as reserve assets for loan qualification.
More a bill(H.R.4374), recently introduced to Congress, would oblige mortgage lenders to include crypto brokerage account assets in credit evaluations.
As of July 17, 2025, Block Earner highlighted this measure on Twitter, underscoring its potential to expand mortgage access for digital asset holders without forcing conversion to fiat currency.
These regulatory developments align with growing concerns over housing crises in both countries. In Australia, median home prices soar at nearly 10 times household incomes; Sydney’s ratio approaches 14 times, second only worldwide to Hong Kong. Similarly, U.S. median home prices have surpassed $420,000, forcing record-high homelessness and suppressing mortgage application rates.
Bitcoin's strong performance over the last year, increasing by roughly 87%, challenges traditional wealth assessments and defines new pathways for property acquisition without liquidating holdings or triggering capital gains taxes.
Block Earner’s CEO, Charlie Karaboga, stated, “Crypto owners no longer have to choose between holding Bitcoin and owning a home,” indicating a financial paradigm shift. This sentiment was echoed in industry circles, as the merger of digital currencies with real estate finance promises to redefine lending opportunities globally.
The integration of cryptocurrency into mortgage finance not only caters to younger demographics—53% of Australians aged 25–34 hold crypto—but it also signals a broader acceptance of digital assets as mainstream financial instruments.
Block Earner’s innovative mortgage product and the U.S. legislative push emphasize a growing trend to weave cryptocurrency into the fabric of real estate financing, potentially easing barriers for millions amid tightening housing markets.
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Australia Launches First Bitcoin-Backed Mortgage
Block Earner offers Bitcoin-backed mortgages, letting crypto holders use BTC as collateral, avoiding liquidation while accessing home loans in Australia.