Canadians have always used assets as collateral for loans. Real estate has dominated for decades. Bitcoin is now entering the conversation.
Real Estate Collateral (HELOC/Refinance)
– LTV: up to 65-80%
– Rate: prime + 0.5-2% (~6-7% variable today)
– Timeline: 2-6 weeks
– Requires: appraisal, title search, legal fees, stress test, bank approval
Bitcoin Collateral at DWM Canada
– LTV: 50%
– Rate: 12% APR fixed
– Timeline: 24-72 hours
– Requires: identity verification only — no credit check, no income verification
Selling Bitcoin vs Borrowing: The Tax Difference
| Real Estate (HELOC) | Bitcoin (DWM Canada | |
| LTV | Up to 80% | 50% |
| Rate | ~6-7% variable | 12% fixed |
| Approval time | 2-6 weeks | 24-72 hours |
| Credit check | Yes | No |
| Collateral volatility | Low | High |
Building Your Bitcoin Collateral Base
The first step is owning Bitcoin. 1Bitcoin.ca is Canada’s FINTRAC-registered Bitcoin brokerage — the simplest way to accumulate a Bitcoin position in Canada.
Ready to apply? DWM Canada
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DWM Canada | Bitcoin Custody & Lending