Use case · Property deposit
A property deposit, without selling your bitcoin.
Pay the deposit on time with euros, pounds, francs or dollars borrowed against your crypto, keep your coins, and repay when it suits you. Here is how it works, what it costs, and what to check with your lender first.
- Funds within the hour, ahead of the deadline
- Keep your bitcoin and its upside
- Repay any time, with no fee
- A clear paper trail for your notary
Your deposit loan
BTC €73,814
- APR, all-in
- 8.9%No fees
- Per month
- €445interest
- Margin call
- €31,635BTC −57%
- Liquidation
- €27,680BTC −63%
Paid by SEPA Instant · No sign-up to see your rate
- < 1 htypical time to funds
- 8.9%APR at a 30% loan-to-value
- −57%bitcoin fall before a margin call at 30%
- €0arrangement or early-repayment fee
- Any timerepay in part or in full
A worked example
A €60,000 deposit, two ways.
A 10% deposit on a €600,000 property, with bitcoin at €73,814. Property timelines are long, so a low loan-to-value is the prudent choice.
| Loan-to-value | Bitcoin pledged | APR | Bitcoin can fall |
|---|---|---|---|
| 30% Conservative | 2.7095 BTC≈ €200,000 | 8.9%€445.00 a month | −57%to a margin call |
| 50% Balanced | 1.6257 BTC≈ €120,000 | 10.9%€545.00 a month | −29%to a margin call |
Selling €60,000 of bitcoin instead would end your exposure to it and may be a taxable disposal where you live. Borrowing keeps the position; repay after three months and you pay three months of interest. Figures at today’s reference prices; they move with the market.
Price your own figuresIs it right for you?
When a Lombard loan fits, and when it does not.
A loan against your crypto is a tool for timing, not a way to finance what you cannot repay. Be honest with yourself on both lists.
It fits when…
- the deposit is due before other money arrives: a bonus, a sale, savings maturing;
- you want to keep your bitcoin through the purchase;
- you can repay from income or a later sale within a reasonable time;
- a low loan-to-value is enough to raise the amount.
Think twice when…
- your mortgage lender does not accept a borrowed deposit;
- you would need the maximum loan-to-value to raise the amount;
- you have no clear plan to repay;
- a fall in the market would force you to sell anyway.
Step by step
From pledge to deposit, step by step.
No forms, no documents, no calls. You see every number before you commit.
Before you borrow, check:
- Proof of funds. Notaries, solicitors and lenders may ask where the deposit comes from. Your loan agreement and payout statement, in your client area, document it.
- Your lender’s rules. A borrowed deposit may be declined, or counted in your affordability assessment. Ask before you commit.
- A low loan-to-value. At 30%, bitcoin can fall 57% before a margin call, and 63% before a partial liquidation.
- A repayment plan. Decide how you will repay: income, a bonus, the sale of another property, or part of your crypto later.
- Tax. Borrowing is generally not a disposal, but a liquidation would be. Check the rules where you live.
Check with your lender
If a mortgage is involved, ask your lender or broker how they treat a borrowed deposit. Some accept it and count the repayments in their assessment; others require the deposit to come from your own funds.
Price your loan
Choose the amount, the currency and a low loan-to-value: completion can take months, and a wide cushion keeps you clear of margin calls.
Pledge and receive
Send your collateral to the address created for your loan. The money is paid to your own bank account, typically within the hour.
Pay the deposit
Pay your notary, solicitor or escrow agent from your own account, exactly as you would from savings.
Repay at your pace
Repay from income, a bonus or a later sale, in part or in full, with no fee. Your bitcoin returns to the address you choose.
Questions
Property deposit: straight answers.
Anything else? Our advisors answer by secure message from your client area, 7 days a week.
Help centreCan I use a crypto loan for a house deposit?
Yes. The loan is paid to your own bank account and you pay the deposit from there. If a mortgage is involved, check first how your lender treats a borrowed deposit: some accept it and take the repayments into account, others require the deposit to come from your own funds.
How do I show where the deposit came from?
Your loan agreement and the payout statement in your client area show the amount, the date and the account the funds were paid to. Notaries, solicitors and lenders can use them to trace the funds.
How much bitcoin do I need for a 60,000 euro deposit?
With bitcoin at €73,814, about 2.7095 BTC at a 30% loan-to-value, or 1.6257 BTC at 50%. The lower loan-to-value costs less and leaves far more room before a margin call.
What if the purchase falls through?
Repay the loan at any time, with no fee. You pay interest only for the days the money was borrowed, and your collateral is returned to the address you choose, typically within the hour.
Is it better than selling my bitcoin?
It depends on your situation. Borrowing keeps your exposure and avoids a sale, but costs interest and carries the risk of a margin call if prices fall. Selling ends the exposure and may be taxable. Our guide “Borrow or sell?” works through the numbers.
Can the loan be paid in pounds or Swiss francs?
Yes. Loans are paid in euros, pounds sterling, Swiss francs or US dollars, by SEPA Instant, Faster Payments, SIC or SWIFT depending on the currency.
Secure the property. Keep the bitcoin.
Price your deposit loan in seconds and receive the funds, typically within the hour.
- No KYC
- No email, no phone
- Zero fees
- Repay any time