Mortgage On Chain Debuts as Australia’s First Crypto-Focused Mortgage Broker

Mortgage on Chain has launched in Australia as a dedicated mortgage broking service for cryptocurrency investors, positioning itself as the first specialist broker in the country focused on this segment.

The firm targets crypto investors rather than those with funds in cash or traditional investments. Its core pitch is that it understands that younger investors are increasingly adopting crypto, and that crypto portfolios, trading activity and tax events can affect a borrower’s ability to secure a home loan under standard bank criteria.

We’re seeing it firsthand – younger investors are turning to crypto to get on the property ladder sooner, but most brokers can’t interpret that wealth, present it to lenders, or advise on tax-effective strategies to sell down assets for a property purchase.

Oliver Woodbridge, Co-Founder of Mortgage On Chain.

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Helping Customers Navigate Crypto-Backed Loans

Rather than offering Bitcoin-backed or collateralised crypto loans, Mortgage On Chain supports clients in securing traditional Australian home loans while helping them understand the nuances of crypto-backed lending products that may form part of a broader, tax-effective strategy to fund a deposit. In practice, this means clients may be able to obtain a standard mortgage without immediately selling their crypto, while being guided on the potential tax implications if they choose to access liquidity through a crypto-backed loan – an area advised by Tax On Chain.

Mortgage On Chain operates alongside Tax On Chain, a Brisbane-based crypto accounting firm founded in 2021. Both businesses share directors Rafael Franco and Oliver Woodbridge, enabling a streamlined service that links mortgage planning with tax considerations and strategies for crypto investors.

The launch comes as Australia’s crypto lending landscape evolves, with Bitcoin-backed loan products now available from providers such as Block Earner. Mortgage On Chain differentiates itself by not offering or facilitating crypto-backed loans directly, nor taking custody of client assets. Instead, the service focuses on helping clients navigate their options and align their mortgage application with their overall financial and tax position.

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