Bitcoin-Backed Mortgages Are Coming to Canada in 2027

APX Lending plans to introduce Bitcoin-backed mortgages in Canada in early 2027, allowing borrowers to finance property purchases without selling BTC. Borrowing against Bitcoin for a down payment creates an additional debt obligation that could complicate qualification for a conventional mortgage. A 40% Bitcoin price decline would increase a loan’s LTV from 50% to 83.3% in an illustrative scenario, potentially exposing borrowers to collateral pressure. Bitcoin-backed mortgages are set to enter Canada’s housing market in 2027, offering cryptocurrency holders a way to finance property purchases without selling their digital assets.