While the prices of houses in Australia continue to exceed income, a company deploys a mortgage supported by Bitcoin, offering crypto holders a new way to access the real estate market without selling their assets.
Wednesday, Block Earner launched the first Bitcoin Bitcoin mortgage after having fought with regulators in court for more than two years. The product was made possible by a decision of the April Federal Court which revealed that the Block Earner cryptography loan products are not considered “financial products” under the law on companies.
The decision authorized the company to need a license of financial services in order to offer Bitcoin as a warranty in real estate loans.
Thanks to the product, the borrowers’ warranty tokens are secured by the sheets of the guard platform. Bitcoin is used to guarantee a cash loan up to 50% of the property value, with a standard mortgage completing the financing.
In addition to opening up new opportunities for Bitcoin holders, the model has a new solvency approach in addition to the traditional loans approval, which is generally focused on salary, cash and retirement pension (Australian compulsory retirement program).
https://www.youtube.com/watch?v=0bx9alzw1ui
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Loan development supported by Bitcoin in the United States
Australia is not the only country experimenting with Bitcoin and mortgages supported by Crypto. In the United States, institutions are also moving to allow funding supported by the crypto for home loans.
On June 25, the director of the Federal Housing Finance Agency (FHFA), William Pulte, ordered Fannie Mae and Freddie Mac to explore means to count cryptographic assets on centralized exchanges regulated as reserve assets to subscribe mortgages.
In a letter, he told the two companies sponsored by the government (GSE) to consider crypto as a reserve asset in mortgage risk assessments.
Just in: 🚨 A new bill (HR4374) at the US Congress would force lenders to include #crypto Holdings in mortgage credit assessments.
If adopted, lenders will have to recognize the funds held on cryptographic platforms. 👀 pic.twitter.com/dlk8lelqpz
– Block earner (@blockearner) July 17, 2025
On Monday, a new bill was presented to the House of American Representatives seeking to demand that mortgage agencies update the directives, recognizing the assets of cryptocurrency on regulated exchanges within the framework of the borrower’s financial profile.
If it is adopted, the bill would allow Crypto to count for the eligibility for mortgage without requiring a conversion to dollars, expanding access to real estate loans for digital asset holders.
Australia and the United States are facing housing attacks that deepen
Australia and the United States, two countries faced with housing of a housing crisis, are under development in home loans supported by Crypto.
Australia has become notorious as one of the least affordable housing markets in the world. The prices of houses in the country on average almost 10 times the typical household income. In Sydney, the houses cost the median income almost 14 times, just behind Hong Kong.
In the United States, the median prices of houses reached more than $ 420,000 in 2024-2025, or about seven times the median household income. The situation has led to disastrous consequences for the population, the American homeless beyond record levels in recent years.
According to an annual report on the assessment of the homeless (AHAR) of the US Department of Housing and Urban Development, there were more than 653,000 non-sumptuous people recorded in a single night in January 2023, the highest since the United States began to follow the figures in 2007.
But although the outbreak of house prices has made ownership of the property increasingly out of reach for many citizens of the two countries, prices have decreased compared to bitcoin – cryptocurrency increased by almost 87% in the last twelve months.
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