{"id":909557,"date":"2026-05-31T14:16:38","date_gmt":"2026-05-31T19:16:38","guid":{"rendered":"https:\/\/newsycanuse.com\/index.php\/2026\/05\/31\/aussie-broker-says-surging-crypto-adoption-will-see-crypto-backed-mortgages-happen\/"},"modified":"2026-05-31T14:16:38","modified_gmt":"2026-05-31T19:16:38","slug":"aussie-broker-says-surging-crypto-adoption-will-see-crypto-backed-mortgages-happen","status":"publish","type":"post","link":"https:\/\/newsycanuse.com\/index.php\/2026\/05\/31\/aussie-broker-says-surging-crypto-adoption-will-see-crypto-backed-mortgages-happen\/","title":{"rendered":"Aussie Broker Says Surging Crypto Adoption Will See Crypto-Backed Mortgages Happen"},"content":{"rendered":"<div>\n<div id=\"blockquote-block_bba87d55a4d1496202414b764e469483\">\n<ul>\n<li aria-level=\"1\"><span>Crypto\u2019s increasing popularity will eventually see crypto-backed mortgage products enter the Australian lending market, according to Stephanie Coleman from Unconditional Finance.<\/span><\/li>\n<li aria-level=\"1\"><span>At the moment though, crypto remains largely excluded from lending decisions due to a lack of regulatory clarity and concerns over volatility, Coleman said.<\/span><\/li>\n<\/ul>\n<\/div>\n<p><a href=\"https:\/\/cryptonews.com.au\/category\/australia\/\">Australia<\/a> will eventually follow the lead of countries like the US in allowing crypto-backed mortgages, but for now, lenders are still wary of digital assets because of their high volatility and lack of regulatory clarity, according to Australian mortgage broker Stephanie Coleman.<\/p>\n<p>Coleman, operations manager at Sydney-based brokerage Unconditional Finance, <a href=\"https:\/\/www.brokerdaily.au\/lender\/21490-crypto-boom-meets-mortgage-reality-check\">told<\/a> <em>Broker Daily<\/em> that Aussie lenders will inevitably move to accept crypto as security for mortgages.<\/p>\n<p>\u201cI think the direction is clear: as crypto becomes more mainstream and regulatory frameworks mature, lenders will have no choice but to develop proper policies around it,\u201d Coleman said.<\/p>\n<div id=\"blockquote-block_682d1e99668672916946fa5c24e2e68c\">\n<p><em>We\u2019re already seeing overseas markets, particularly in the US, move more quickly on this. Australia will eventually follow.<\/em><\/p>\n<p><img decoding=\"async\" data-eio=\"l\" data-old-src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" src=\"https:\/\/cdn.cryptonews.com.au\/2026\/04\/22151051\/Stephanie-Coleman-Unconditional-Finance.png\">        Stephanie Coleman, Unconditional Finance    <\/p>\n<\/div>\n<p>Recently, crypto exchange <a href=\"https:\/\/cryptonews.com.au\/category\/coinbase\/\">Coinbase<\/a> partnered with Better Home and Finance to offer a product in the US market that allows borrowers to use USDC or <a href=\"https:\/\/cryptonews.com.au\/category\/Bitcoin\/\">Bitcoin<\/a> as collateral to help cover a home loan deposit.<\/p>\n<p>Coleman believes that the Aussie crypto lending market is likely to evolve along two lines \u2014 a mainstream mortgage approach where there\u2019d be a standardised assessment framework for digital assets held by regular borrowers, and another approach which would offer specialised lending products to individuals with substantial crypto wealth.<\/p>\n<p>For now, in Australia, crypto is still excluded from borrowing decisions despite significant growth in the number of Aussies who are holding part of their wealth in crypto.<\/p>\n<p>Independent Reserve\u2019s Cryptocurrency Index 2026 <a href=\"https:\/\/www.independentreserve.com\/blog\/news\/australian-independent-reserve-cryptocurrency-index-irci-2026\">found<\/a> that 33% of Australians currently hold crypto, marking the highest ownership rate in the index\u2019s history. Independent Reserve\u2019s figures show crypto ownership rates have almost doubled since 2019, up from 17%.<\/p>\n<figure><img loading=\"lazy\" decoding=\"async\" width=\"1548\" height=\"1024\" alt   data-eio=\"l\" data-old-src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAABgwAAAQAAQAAAAAVNk9hAAAAAnRSTlMAAHaTzTgAAADXSURBVHja7cEBAQAAAIIg\/69uSEABAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA8GgMLQAByxMB5gAAAABJRU5ErkJggg==\" src=\"https:\/\/cdn.cryptonews.com.au\/2026\/04\/22150701\/image-6.png\" srcset=\"https:\/\/cdn.cryptonews.com.au\/2026\/04\/22150701\/image-6.png 1548w, https:\/\/cdn.cryptonews.com.au\/2026\/04\/22150701\/image-6-768x508.png 768w\"><figcaption><em>Australian crypto ownership rates over time. Source:<\/em><a href=\"https:\/\/www.independentreserve.com\/blog\/news\/australian-independent-reserve-cryptocurrency-index-irci-2026\"><em>Independent Reserve<\/em><\/a><em>.<\/em><\/figcaption><\/figure>\n<p>Despite this surge in adoption by regular Aussies, Coleman says lenders still aren\u2019t considering crypto holdings as relevant assets when it comes time to get a mortgage.<\/p>\n<p>\u201cCrypto is still outside the mainstream Australian mortgage system,\u201d she said. \u201cMost lenders do not accept it as security, and its primary use remains converted to cash and used as a deposit.\u201d<\/p>\n<p>According to Coleman, the primary reason for this is regulatory uncertainty, explaining that \u201cAUSTRAC and ASIC guidelines mean lenders carry significant compliance risk if they can\u2019t verify the origin of crypto wealth, so many simply avoid it altogether.\u201d<\/p>\n<div id=\"blockquote-block_ff0994a4c2b589b62e8cb506db24e45d\">\n<p><em>Until there\u2019s clearer regulatory guidance specific to digital assets in lending, most lenders will remain conservative.<\/em><\/p>\n<p><img decoding=\"async\" data-eio=\"l\" data-old-src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" src=\"https:\/\/cdn.cryptonews.com.au\/2026\/04\/22151051\/Stephanie-Coleman-Unconditional-Finance.png\">        Stephanie Coleman, Unconditional Finance    <\/p>\n<\/div>\n<p><strong>Related: <a href=\"https:\/\/cryptonews.com.au\/news\/gen-z-in-australia-is-done-waiting-for-the-financial-system-to-work-133543\/\">Gen Z in Australia Is Done Waiting for the Financial System to Work<\/a><\/strong><\/p>\n<h2 id=\"h-crypto-regulation-around-mortgages-could-provide-opportunity-for-lenders-and-borrowers\">Crypto Regulation Around Mortgages Could Provide Opportunity for Lenders and Borrowers<\/h2>\n<p>According to Coleman, the continued adoption of crypto by Australians and the expansion of the nation\u2019s regulatory framework around digital assets will see significant opportunity for both mortgage lenders and borrowers.<\/p>\n<p>\u201cThe opportunity is real,\u201d she said.<\/p>\n<p>For brokers who understand the crypto landscape, Coleman says there\u2019s the opportunity for them to attract the business of many younger Aussies who now have significant crypto holdings.<\/p>\n<p>\u201cThere\u2019s a growing generation of borrowers, particularly younger Australians, who hold meaningful wealth in crypto and want to enter the property market,\u201d Coleman said.<\/p>\n<p>\u201cBrokers who understand this space and know which lenders will work with crypto-sourced funds can genuinely differentiate themselves and serve an underserviced market.\u201d<\/p>\n<p>For those looking to borrow, the benefits are obvious \u2014 they can leverage the wealth they hold in crypto assets without having to sell into dollars first.<\/p>\n<p>Of course, the issue of volatility remains a concern even if regulatory challenges are tackled \u2014 it\u2019s hard for a lender to accept collateral that could fluctuate enormously in value from month to month, or in some cases even from week to week.<\/p>\n<p><strong>Related: <a href=\"https:\/\/cryptonews.com.au\/news\/banking-woes-rise-as-record-one-third-of-australians-invest-in-digital-assets-133305\/\">Banking Woes Rise as Record One-Third of Australians Invest in Digital Assets<\/a><\/strong><\/p>\n<p>Despite this risk, Coleman remains positive about the progress being made on digital assets in Australia.<\/p>\n<p>\u201cTwelve months ago, the crypto conversation was almost non-existent with mainstream lenders,\u201d Coleman said.<\/p>\n<\/p><\/div>\n<p><a href=\"https:\/\/cryptonews.com.au\/news\/aussie-broker-says-surging-crypto-adoption-will-see-crypto-backed-mortgages-happen-133683\/\" class=\"button purchase\" rel=\"nofollow noopener\" target=\"_blank\">Read More<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Crypto\u2019s increasing popularity will eventually see crypto-backed mortgage products enter the Australian lending market, according to Stephanie Coleman from Unconditional Finance. At the moment though, crypto remains largely excluded from lending decisions due to a lack of regulatory clarity and concerns over volatility, Coleman said. Australia will eventually follow the lead of countries like the<\/p>\n","protected":false},"author":1,"featured_media":909558,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[39438,33411],"tags":[44238,50040],"class_list":["post-909557","post","type-post","status-publish","format-standard","has-post-thumbnail","category-aussie","category-broker","tag-aussie","tag-broker"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/posts\/909557","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/comments?post=909557"}],"version-history":[{"count":0,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/posts\/909557\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/media\/909558"}],"wp:attachment":[{"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/media?parent=909557"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/categories?post=909557"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/tags?post=909557"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}