Launching 2026

We finance your property so you can hodl or buy bitcoin.

A bitcoin collateralised mortgage for non-residents

Supported by

Appleby and BitGo
LisbonCape TownFuture cities coming soon
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Our Mortgage

A wealth preservation and amplification strategy.

01

Acquire

Up to 100% mortgage for a new property purchase. Use your bitcoin as collateral and keep your stack intact while acquiring premium real estate in Lisbon or Cape Town.

02

Unlock

Up to 100% of your existing property value, unlocked. Refinance your property to buy bitcoin while retaining ownership of the property.

8%

Interest rate (from)

20%

Performance fee*

*The performance fee applies to realised Bitcoin gains whenever collateral is released, the loan settles, or the borrower refinances. It is calculated on the difference between the release value and the original collateral value at funding, using the 220-day moving average. The borrower keeps the remaining appreciation.

The Basics

Structurally designed to protect you and your bitcoin.

Up to 100% LTV

Up to full loan-to-value financing on your property purchase

No margin calls

Your collateral position is never subject to margin calls on LTV

No rehypothecation

Your bitcoin is never lent, leveraged, or used by any counterparty

No liquidation

No forced liquidation scenarios outside of formal default

Interest-only 7 years

Reduced payments for the first seven years of the loan term

20-year term

Long-duration financing with optional amortisation after year 7

No affordability checks

Collateral-led underwriting with no income verification required

Partial collateral unlock

Release bitcoin as property equity builds over time

Refinance after year 7

Option to settle, refinance, or begin amortisation at the 7-year mark

Calculate

How much bitcoin do you need to finance your property?

Every prēcinct mortgage is secured by bitcoin at a 1:2 ratio to the loan — for every €2 borrowed, €1 of bitcoin is held as collateral.

€1,000,000
€1,000,000

Borrow up to 100% of the property value. Select less for a lower loan-to-value.

BTC collateral required

€500,000

to borrow €1,000,000 against a €1,000,000 property (100% LTV).

Project your wealth over time →

See how this compares to a traditional mortgage in the full calculator.

Your Bitcoin is never lent,
leveraged, or sold.

About

Smarter property finance for bitcoin holders.

Prēcinct was founded on a simple observation: bitcoin holders who buy property with fiat are forced to sell an appreciating asset to acquire a depreciating one. That trade-off is unnecessary.

We designed a mortgage product that lets you keep your bitcoin while acquiring property. By collateralising your BTC instead of selling it, you maintain exposure to bitcoin's long-term upside while building a real-estate portfolio.

Our team combines deep expertise in structured finance, cryptocurrency custody, and international property law to deliver a product that is institutionally robust yet radically simple for the borrower.

WhatsApp us

Private Service

Built around you, from first enquiry to final repayment.

We understand that bitcoiners think differently about wealth, property, and time preference. Our service is designed around that understanding, not adapted from a traditional banking playbook.

Start a conversation
01

Dedicated relationship manager

One person guides you from initial enquiry through funding, servicing, and every decision point across the full life of the loan.

02

Built for bitcoiners

We speak your language. Our team understands custody, keys, UTXOs, and why selling sats to buy a house is a last resort, not a starting point.

03

Transparent, mutually aligned terms

Our terms are structured so that when you do well, we do well. As the product matures and the book grows, improved terms follow naturally.

04

End-to-end support

From property sourcing and legal coordination to custody setup and ongoing loan management. We handle the complexity so you don’t have to.