Buy or refinance the home without selling your Bitcoin. A standard 30-year mortgage, plus an equal-sized Bitcoin position the lender funds. You service the mortgage. The Bitcoin services itself.
Sell Bitcoin for the deposit and trigger CGT. Pledge offshore against your better judgment. Or, if you already own the home, keep servicing the mortgage and stay underweight Bitcoin, because no bank will lend you a second million to buy it. Every path costs you the same thing: your Bitcoin position.
This is the third path. Built in Australia, structured for Australian property and tax settings.
Two facilities, originated together, separately collateralised. The maths over a decade is the whole proposition.
A standard 30-year residential mortgage at market rates, secured against the property. You service it from income, exactly like any home loan. The home is ring-fenced from the Bitcoin side. A price drop on Bitcoin cannot touch your property.
At settlement, a capital partner funds a Bitcoin position equal to your mortgage. A $1M mortgage pairs with $1M of Bitcoin: $2M of asset, only the home half serviced from your income. No second income test. No second monthly payment for the Bitcoin million. Held in your name from day one, bound by the loan, released at maturity.
The lender is repaid out of the Bitcoin position itself across the 10-year term. You make no payments on the Bitcoin side. None. No payment to miss means no margin call, no forced sale, no default trigger. Bitcoin compounds over a decade against a lender's nominal interest rate. What's left above the lender's share at maturity is yours.
Pre-product. No public marketing. Shared through Bitcoin circles and trusted networks. If this is the loan you'd take on at launch, this list puts you first in line.
Your home is unaffected. The mortgage is a standard residential loan, structurally separate from the Bitcoin side. You make no payments on Facility B, so a crash triggers no margin call, no forced sale, no default event. The lender on Facility B wears the shortfall against their floor. You take no financial downside on the Bitcoin side, and you do not lose your home over a Bitcoin drawdown.
No launch date yet. Three things have to line up: validated borrower interest, a committed credit partner, a finalised structure. Counsel review is underway in parallel. Registrants are contacted as each gate clears. This is the queue, not a release schedule.
Nothing. No application, no fee, no credit check, no obligation. You're indicating non-binding interest in a product under development. We'll only contact you about this product. Your data is not shared with third parties, and you can request deletion at any time.
Non-binding. No application, no credit check, no obligation. We'll be in touch as the product moves closer to launch.
Thanks, your details are in. We'll be in touch as the product moves toward launch. If your situation changes in the meantime (refi timing, loan size, anything else), just email us back and we'll update your record.