Mortgage product

MortgageFi allows users to borrow up to 50 times the value of their initial deposit, functioning similarly to traditional finance under-collateralized mortgages. Unlike conventional crypto loans that require substantial collateral and carry the risk of liquidation during market volatility, MortgageFi’s loans are structured to avoid liquidation risks as long as regular repayments are made.

Mortgages add a powerful long term profit strategy to the DeFi space designed to facilitate mass adoption of low capital users through affordable fixed USD denominated repayments.

Borrowers can select loan terms ranging from 2 to 30 years, making fixed USD-denominated repayments that provide both stability and predictability.

By locking in the price of the borrowed asset at the time of the loan initiation, borrowers protect themselves against future price increases. For example, a user can secure one Bitcoin today with a small down-payment and continue paying it off over 30 years at the original price, potentially saving a significant amount if Bitcoin’s value appreciates over time. No application forms or credit checks are required to create a mortgage contract since MortgageFi is fully decentralised and permissionless. Unlike traditional finance mortgages that have large deposit/down payment sums, our mortgages can be taken for very low amounts with respectively low deposits. This means you can climb the digital property ladder with only a small amount of capital when it suits you.