Block Earner Introduces Bitcoin-Backed Home Loans In Australia

TheCryptoTimesPublished on 2025-07-16Last updated on 2025-07-17

Sydney-based fintech Block Earner has announced the launch of what it claims is Australia’s first Bitcoin-backed home loan. The new product allows Australians to use their Bitcoin holdings as collateral to finance up to 50% of a property’s value, without needing to liquidate digital assets. With this move, the company attempts to bridge cryptocurrency and traditional finance.

We're coming for the Australian property market 🟠🏡

The product? Buy a home without selling your #Bitcoin.

📖 More via @CapitalBrief: Bitcoin-backed home loans are really coming to Australia this year 👉 https://t.co/BmAfCAAL4o #HomeLoans
— Block Earner (@blockearner) July 16, 2025

The loan is uniquely made to Bitcoin holders with a loan to value ratio 60% to protect against market fluctuations. In case of significant decline in Bitcoin’s price, borrowers will receive a 30-day notice to raise the LVR by either paying in fiat or providing additional collaterals or refiling their Bitcoin.

Only if the customer or markets fail to correct the LVR in these 30 days would Block Earner sell a fraction of the Bitcoin. This however would not jeopardize the home in any way due to Bitcoin’s price.

James Coombes, Co-founder and Chief Commercial Officer of Block Earner, said the initiative is about unlocking crypto liquidity for individuals previously excluded from traditional asset markets.

CEO and Co-founder has hailed the launch as a “turning point” in property finance. Highlighting the market impact, he shared, “There are 2.3 million Australians holding Bitcoin or crypto, and this number is increasing. Now you see a Bitcoin chart in every newspaper or finance-related TV show. So this is basically a trend that’s going up.”

Block Earner reports over AUD $110 million in early borrower interest since the product’s soft launch. According to the firm, the offering is part of a shift where digital assets cease being separated into segregated sectors, and instead become a part of the real economy.

With the price of an average Australian house falling to 4.3 BTC in 2024 from 2016’s 627 BTC, the purchasing power of Bitcoin is crystal clear. And with other countries starting to consider the application of crypto for mortgage eligibility, Block Earner seems to be an early indicator of a global transformation for leveraging digital assets in the classic financial system.

Also Read: Bitcoin ETFs Record $403M in Inflows Led by BlackRock’s IBIT

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5.2k Total ViewsPublished 2025.06.10Updated 2026.06.10

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