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Selling your Bitcoin to buy a home hurts twice: you lose upside, and you trigger tax.
But across both the United States and Canada, thousands of investors are now funding down payments by borrowing against their crypto instead of selling it.
This strategy is:
This is the most complete and accurate guide for U.S. and Canadian homebuyers who want to leverage Bitcoin for their next real-estate investment.
Short answer: Yes.
But not directly.
Neither U.S. nor Canadian mortgage lenders accept BTC or ETH as a down payment in crypto form.
But they do accept fiat that originated from a crypto-backed loan, as long as:
🇺🇸 U.S. requirements
🇨🇦 Canadian requirements
So yes: crypto-backed loans convert your BTC into mortgage-ready cash. And the best part? You don’t need to sell your Bitcoin.
Want to learn the mechanics of borrowing against your Bitcoin? Check out the guide.
Crypto-backed loans let you pledge Bitcoin or Ethereum as collateral to borrow fiat or stablecoins, which are easy to exchange for fiat.
Here’s a simple breakdown of how we do it at APX Lending.
Your borrowing amount depends on two things:
Once you’ve determined these two things, you’ll set your loan terms (3 – 60 months). Then, submit your request.
ID verification is a compliance requirement for us. It’s done to prevent illegal activities like money laundering. The process is simple and typically takes five minutes for approval. You provide a valid photo ID from your place of residence, a liveness check, and we handle the rest. Â
At APX Lending, collateral is stored in segregated BitGo Trust wallets—NOT commingled or rehypothecated.
These become seasoned, traceable down payment funds.
Home purchase, investment property, renovation, bridge financing, etc.
Your borrowing power in both markets is largely determined by your loan-to-value (LTV) ratio.
Example:
In most cases, lenders will give you a loan worth 50% of the collateral you’ve posted. Some, like APX, have origination LTVs as high as 60%—something to consider when shopping platforms.
Both the IRS and CRA treat crypto as property.
Selling BTC → taxable event
Borrowing → not taxable event
If you're unclear on how to navigate crypto-backed loans and taxes, here's everything you need to know.
If Bitcoin doubles during your mortgage period, you keep 100% of the appreciation.
Most investors prefer to borrow, not sell.
This is especially valuable in U.S. bidding wars and Canadian tight inventory markets where you need to prove verified funds upfront.
🇺🇸 U.S. mortgage guidelines
Most lenders allow borrowed funds if:
🇨🇦 Canadian mortgage guidelines
Accepted if:
APX Lending provides documentation packages for both jurisdictions.
If BTC drops, LTV rises. If it rises too far, liquidation may occur. We've got guidance (and reassurance) for those who might be wary of LTVs.
APX reduces this risk using:
Borrowing is a trade-off: interest vs preserved upside. Another way to think about it: Does the potential upside of your crypto outweigh the cost of capital for your loan? If so, then it’s definitely worth exploring. Â
Bitcoin Monthly Return is just one tool that allows you to predict BTC returns.
Many crypto lenders have collapsed due to rehypothecation and unsecured lending.
APX is one of the only platforms in North America with:
This matters to homebuyers and mortgage lenders evaluating document legitimacy.
Meet “Sarah” (California)
She posted 2.5 BTC, borrowed $100K USD, and secured her home without touching her BTC stack.
Meet “David” (Ontario)
He borrowed CAD using collateral and kept his long-term Bitcoin thesis intact.
Crypto-backed borrowing helps investors:
This is extremely popular among high-net-worth and mid-market investors. But it’s also an approach many retailer borrows are using.
Many of our customers leverage their BTC and ETH for real estate:
This is not a niche strategy. It's mainstream.
‍
‍
APX Lending is a crypto-backed lender operating in the US, Canada, and globally. APX Lending does not offer financial or tax advice. We strongly encourage you to consult with a certified financial or tax professional for guidance on any related inquiries you may have.
Selling your Bitcoin to buy a home hurts twice: you lose upside, and you trigger tax.
But across both the United States and Canada, thousands of investors are now funding down payments by borrowing against their crypto instead of selling it.
This strategy is:
This is the most complete and accurate guide for U.S. and Canadian homebuyers who want to leverage Bitcoin for their next real-estate investment.
Short answer: Yes.
But not directly.
Neither U.S. nor Canadian mortgage lenders accept BTC or ETH as a down payment in crypto form.
But they do accept fiat that originated from a crypto-backed loan, as long as:
🇺🇸 U.S. requirements
🇨🇦 Canadian requirements
So yes: crypto-backed loans convert your BTC into mortgage-ready cash. And the best part? You don’t need to sell your Bitcoin.
Want to learn the mechanics of borrowing against your Bitcoin? Check out the guide.
Crypto-backed loans let you pledge Bitcoin or Ethereum as collateral to borrow fiat or stablecoins, which are easy to exchange for fiat.
Here’s a simple breakdown of how we do it at APX Lending.
Your borrowing amount depends on two things:
Once you’ve determined these two things, you’ll set your loan terms (3 – 60 months). Then, submit your request.
ID verification is a compliance requirement for us. It’s done to prevent illegal activities like money laundering. The process is simple and typically takes five minutes for approval. You provide a valid photo ID from your place of residence, a liveness check, and we handle the rest. Â
At APX Lending, collateral is stored in segregated BitGo Trust wallets—NOT commingled or rehypothecated.
These become seasoned, traceable down payment funds.
Home purchase, investment property, renovation, bridge financing, etc.
Your borrowing power in both markets is largely determined by your loan-to-value (LTV) ratio.
Example:
In most cases, lenders will give you a loan worth 50% of the collateral you’ve posted. Some, like APX, have origination LTVs as high as 60%—something to consider when shopping platforms.
Both the IRS and CRA treat crypto as property.
Selling BTC → taxable event
Borrowing → not taxable event
If you're unclear on how to navigate crypto-backed loans and taxes, here's everything you need to know.
If Bitcoin doubles during your mortgage period, you keep 100% of the appreciation.
Most investors prefer to borrow, not sell.
This is especially valuable in U.S. bidding wars and Canadian tight inventory markets where you need to prove verified funds upfront.
🇺🇸 U.S. mortgage guidelines
Most lenders allow borrowed funds if:
🇨🇦 Canadian mortgage guidelines
Accepted if:
APX Lending provides documentation packages for both jurisdictions.
If BTC drops, LTV rises. If it rises too far, liquidation may occur. We've got guidance (and reassurance) for those who might be wary of LTVs.
APX reduces this risk using:
Borrowing is a trade-off: interest vs preserved upside. Another way to think about it: Does the potential upside of your crypto outweigh the cost of capital for your loan? If so, then it’s definitely worth exploring. Â
Bitcoin Monthly Return is just one tool that allows you to predict BTC returns.
Many crypto lenders have collapsed due to rehypothecation and unsecured lending.
APX is one of the only platforms in North America with:
This matters to homebuyers and mortgage lenders evaluating document legitimacy.
Meet “Sarah” (California)
She posted 2.5 BTC, borrowed $100K USD, and secured her home without touching her BTC stack.
Meet “David” (Ontario)
He borrowed CAD using collateral and kept his long-term Bitcoin thesis intact.
Crypto-backed borrowing helps investors:
This is extremely popular among high-net-worth and mid-market investors. But it’s also an approach many retailer borrows are using.
Many of our customers leverage their BTC and ETH for real estate:
This is not a niche strategy. It's mainstream.
‍
‍
APX Lending is a crypto-backed lender operating in the US, Canada, and globally. APX Lending does not offer financial or tax advice. We strongly encourage you to consult with a certified financial or tax professional for guidance on any related inquiries you may have.
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