With Australia’s home prices continuing to outweigh revenues, businesses are rolling out Bitcoin-backed mortgages offering crypto holders a new way to access the real estate market without selling assets.
On Wednesday, Block Harner launched the country’s first Bitcoin-assisted mortgage after fighting regulators in court for more than two years. The product was made possible by a federal court ruling in April that found that block-earner crypto loan products were not eligible as “financial products” under the Corporate Act.
The decision cleared the company from requiring a financial services license to provide Bitcoin as collateral for its mortgage.
Through the product, borrower’s collateral tokens are protected by the fire block of the custody platform. Bitcoin is used to secure cash loans of up to 50% of the value of the asset, with standard mortgages complementing the funds.
In addition to opening new opportunities for Bitcoin holders, the model introduces a new creditworthiness approach, in addition to traditional loan approvals that typically focus on payroll, cash and retirement pensions (Australia’s mandatory retirement program).
https://www.youtube.com/watch?v=0BX9ALZW1UI
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US Bitcoin-assisted loan development
Australia is not the only country experimenting with Bitcoin and crypto-assisted mortgages. In the US, agencies are also working to enable crypto funds for mortgage loans.
On June 25, William Plute, director of the Federal Housing and Finance Agency (FHFA), ordered Fannie May and Freddie Mac to explore how to count the crypto holdings of regulated central exchanges as reserve assets to assign a mortgage.
In the letter, he instructed both government-sponsored companies (GSEs) to consider the crypto as a reserve asset for mortgage risk assessments.
Just: 🚨 The new US Congress bill (HR4374) would require lenders to include #Crypto Holdings in their mortgage credit valuations.
If they pass, the lender must recognize the funds held on the crypto platform. pic.twitter.com/dlk8lelqpz
– Block Earning (@blockearner) July 17, 2025
On Monday, a new bill was introduced in the U.S. House of Representatives, requiring mortgage agencies to update the guidelines to update the guidelines, and cryptocurrency holdings on regulated exchanges were recognized as part of borrowers’ financial profiles.
If passed, the bill would allow Crypto to count mortgage eligibility without requiring a conversion to dollars and expand access to mortgages for digital asset owners.
Australia and the US face deepening housing crisis
Australia and the US are two countries facing a housing crisis and are the major developments in crypto-assisted housing loans.
Australia has become famous as one of the most affordable housing markets in the world. Nationwide housing prices are averaged almost ten times more than typical household income. In Sydney, the house was almost 14 times its median income, second only to Hong Kong.
In the US, median home prices exceeded $420,000 between 2024 and 2025, reaching approximately seven times the median household income. This situation has had disastrous consequences for the population, with the US homelessness exceeding record levels in recent years.
More than 653,000 unpopular people recorded one night in January 2023, according to a report in the Annual Homeless Assessment Report (AHAR) from the U.S. Housing and Urban Development Agency. Since the US began tracking figures in 2007, more than 653,000 unpopular people have been recorded in January 2023.
However, rising home prices have made homeownership more and more out of reach for many citizens in both countries, but prices have fallen compared to Bitcoin. This is a rise in cryptocurrency by nearly 87% over the past 12 months.
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