Introducing the world's first Bitcoin Mortgage

Own real estate. Keep your Bitcoin

Are you in Ontario, Canada? Apply now

From digital assets to real estate

By combining the appreciation potential of Bitcoin with the price stability of real estate, this first-of-its-kind loan offers a balanced blend of wealth-building collateral. With the Bitcoin Mortgage, you can use your holdings to buy a new property, or finance the home you already own. Get a loan equal to your Bitcoin holdings, without selling a satoshi.

Are you in Ontario, Canada? Apply now

  • Sell no more

    The Bitcoin Mortgage lets you access liquidity without needing to sell your assets. You no longer need to decide between holding your Bitcoin or owning real estate.

  • A home as big as your stack

    Ledn can extend a loan equal to 100% of the value of your BTC by accepting both your Bitcoin and real estate as joint collateral.

  • For new or existing homeowners

    The Bitcoin Mortgage can be used to purchase new real estate, or to finance the property you already own.

Get on the list

We are working diligently to make the Bitcoin Mortgage service available.

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Frequently asked questions

  • How does the Bitcoin Mortgage work?

    A client wishing to take out a Bitcoin Mortgage needs to own Bitcoin equivalent to the appraised market value of the property they are purchasing (or already own). Both the Bitcoin and property are accepted as collateral, and a loan is issued equal to 50% of the combined value of both assets.

  • In which countries is the Bitcoin Mortgage available?

    The Bitcoin Mortgage is currently only offered to select Canadian residents in Ontario, and will be available to all Canadian residents and select American residents starting later in 2022.

  • Can I use the Bitcoin Mortgage to purchase a new home?

    Yes. The Bitcoin Mortgage will allow Bitcoin holders to buy real estate, using their Bitcoin as collateral to finance it. No fiat needed!

  • I already own a home. Can I apply for a Bitcoin Mortgage?

    Yes. If you already own a home and Bitcoin, we can offer you a mortgage loan accepting both as collateral. In addition, if you own a home that is not currently financed, the equity in your home can be used to purchase Bitcoin.

  • What is the length of the loan term?

    The Bitcoin Mortgage is currently offered with a 2 year term. At the end of the 2 years, the status of the mortgage loan can be reassessed and may be renewed for an additional term.

  • What is the Loan-to-Value (LTV) ratio?

    With the Bitcoin Mortgage, Ledn offers a loan equal to 100% of the value of the Bitcoin collateral. Including the collateralized real estate of equal value, this comes to 50% LTV of the combined collateral value at the time the loan is opened and 100% LTV of each of the Bitcoin collateral and the real estate.

  • How do interest payments work?

    Interest payments are pre-paid by the client and applied to the mortgage loan on a monthly basis. If the mortgage is closed early, any pre-paid interest will be returned to the client after covering any applicable fees.

  • What is the interest rate?

    The interest rate is subject to market conditions, but should generally be lower than the interest rate of Ledn's Dollar and B2X Loans. This is because the inclusion of real estate as collateral allows for a lower cost of financing.