Bhouse.io

Simplistic Bitcoin-Backed Loan

Borrow your Mortgage Deposit against your Bitcoin

buy a property without selling your bitcoin !
With most Mortgages
A deposit of typically 20% is required upfront for your property purchase, equating to £100k if the property is priced at £500k.
Bitcoin as collateral
To secure this deposit, we ask for 150% of this amount in Bitcoin when initiating the loan. So if you are seeking £100k, we will need £150k worth of Bitcoin as collateral (which is a Loan-to-Value ratio of 66.67%)
How much can I borrow?
We'll provide loans from £10k to up to £1M for fixed terms at fixed rates. Interests & capital can be paid in-fine.
Regulatory Environment
Bhouse Financial Services LLP is incorporated in the UK (OC441824). We are in the process of applying to the FCA Regulatory Sandbox to test this innovative proposition. We will first address our product to sophisticated and high-net-worth investors according to the definition provided by the FCA handbook.

Office: 724 Holloway Rd, Archway, London N19 3JD, United Kingdom.
What happens to my Bitcoin?
It will be locked during the term of the loan and we will provide the loan in GBPT (USDT/USDC and EURS/EUROe in the near future) convertible into fiat GBP fiat sent to your bank account through our partner.
What happens if the Bitcoin price fluctuates?
No changes will occur if the price of Bitcoin increases.

In the event of a decrease in Bitcoin price leading to a 75% LTV, a margin call will be initiated. In such a situation, you have the option to increase your position by adding more Bitcoin. If the LTV ratio reaches 90%, your Bitcoin holdings will be liquidated, resulting in the termination of the loan.
When will you return the Bitcoin?
At the termination of the loan unless your Bitcoin holding has been liquidated.
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Benefit from the potential price appreciation of both assets: Bitcoin and the Real Estate

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