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Property Lending

Use your crypto as security to purchase property

B4Finance Property Lending

Why should crypto holders face discrimination from banks and mortgage brokers? Despite Bitcoin’s volatility, it remains an influential and rapidly growing asset class.

Until now, crypto holders were required to provide excessive collateral, even with the property as additional security.

Our innovative two-phase lending program, recognises both digital and tangible assets, resulting in significantly lower crypto collateral requirements.

This makes leveraging your digital wealth for real estate investment simpler and more effective.

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4 Simple Steps

To Use Crypto To Buy Property

Security

Easily access cash for your property payment by using your crypto.
Whatever amount of cash you wish to access, you only need to provide as little as 1.5x that in crypto as security, and no repayment is required until the end of the loan term.

Mortgage

Only have enough crypto for a property deposit?
No problem, we are able to organise combined lending seamlessly. This means that we can help you secure the balance of your purchase as a regular mortgage.

Refinance

Release your crypto. At the end of the five-year period (once the crypto portion of your loan matures), you can use the increased equity in your property to refinance your mortgage and release your crypto back to your designated wallet.

Maturity

Now, you're simply sitting on a standard home loan, with your crypto back in your wallet ready to get to work again.
More staking? More lending? More property? The choice is yours.

Get your property today

Simple.Transparent. Secure.

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Step-by-step breakdown

Like it broken down further?

Step One

Hodl, stake, yield, save - however you make your crypto work for you, you'll need to put security down in order to get your deposit. But unlike existing crypto-focused lending providers, with B4Finance you don't need to save up the entire value of the property - our two-phase lending products mean you can get into a new home using as little as 15% of the property value.

Step Two

You've got your crypto - let's turn that into a cash deposit. We use your crypto as collateral (such as BTC or ETH) over a five-year interest-only loan (shorter terms available on request) with unbeatable fixed rates to give you enough fiat (AUD) to put down a deposit on your property. Congratulations – you just took a shortcut past the hardest part of getting into your own home.

Step Three

Now you've got the cash to put down a deposit for the property of your choice, it's simple - we'll help you get a property loan at highly competitive rates, in exactly the same fashion as usual. In fact, it's even better than that - because our brokers will tailor a personalised package from a range of offerings for you, making sure you're receiving the best rates available - and beating the banks from day one.

Step Four

After five years, the loan you took against your crypto has matured. At that point, we can help you refinance against the equity in your new property - finalising the original loan and releasing all your crypto back into your wallet, ready to be put to work again! Of course, there are plenty of other options as well - we're all about flexibility. But here's the final result - after using as little as 15% of the property value in crypto, you now have 100% of your crypto back in your pocket... after just five years.

Get your property today

Simple.Transparent. Secure.

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How does it look in practice?

Imagine John...

John holds $320,000 worth of crypto, in a mix of BTC and ETH. He wants to buy a house, but he also doesn’t want to sell his crypto.

He’s looking at a property worth $1M. Until now, he’d need to keep hodling until he had $1M worth of crypto. But now, after applying through B4Finance and being approved for a loan with a 20% deposit, he simply uses his crypto as security. He then receives a $200,000 fiat (AUD) loan, which he uses as the deposit. Simple.

For the first five years, he simply repays his property loan as standard. After five years, the crypto loan matures – but he’s already paid off a chunk of his home loan. So we help John redraw $200,000 on the growing equity in his increasingly valuable property, and he uses those funds to pay out the crypto loan.

Now John’s got his $32,000 worth of crypto back in his wallet (including any gains he’s made in the meantime), and one simple property loan. He’s free to reinvest his crypto, or stake it, or explore any of the exciting possibilities crypto allows.

But he gets to do it all from his own property… which he bought by intelligently leveraging his crypto.

The game has changed.

Get your property today

Simple.Transparent. Secure.

Find Out What You Can Get

Important information

Frequently Asked Questions

  • The borrower has 100% upside potential - which means that the entirety of your collateralised crypto is released back to you once the original loan has matured, including any gains.

  • The property loan is subject to all standard due diligence and serviceability checks, and the property remains under mortgage for the term of the loan (as standard) - but as the crypto loan is over-collateralised, it issued without recourse, meaning no additional checks or guarantees are required.

  • If the value of the crypto collateral drops to less than 70% of the value on the date of issue, a margin call is issued and borrowers have five days to add additional capital. If borrowers are unable to make this payment, the collateral is liquidated and any remaining excess is returned to the borrower.

  • Please press the terms and conditions link in the footer of this page to read all the details.