Crypto Mortgage Calculator

A property loan secured on crypto instead of, or alongside, a cash deposit. You keep the coins rather than selling them, the lender holds them as collateral, and you repay the loan in the normal amortising way. The appeal is not having to sell — and in most countries, not triggering a capital gain by selling.

Because it is the only number that makes this different from an ordinary mortgage. A bank mortgage does not get harder to keep because an asset fell 40% in a month. This one does: below the margin-call level the lender can sell your collateral, usually at the worst possible moment, and you still owe the loan.

Typically the lender asks for more collateral or a partial repayment within a short window — sometimes hours — and sells if it does not arrive. Selling collateral is usually a disposal for tax, so a forced sale can produce a tax bill in the same year the price collapsed. Check the specific lender's terms; they vary a lot and are not standardised the way bank mortgages are.

Generally yes, often substantially, and the term is frequently shorter. You are paying for the ability not to sell your coins and for the lender's own risk in holding volatile collateral. Run the total-interest figure above against an ordinary mortgage plus the tax on selling enough crypto for a deposit before deciding which is really cheaper.

No. This is arithmetic on numbers you supply, not a recommendation, and it deliberately ignores fees, insurance, property taxes and the specific terms of any lender. A loan secured on an asset that can halve is a serious commitment and worth discussing with someone qualified in your jurisdiction.