Helping Aussie Homeowners Pay Their Mortgage Off in Half the Time.
See Your Mortgage Savings Potential
On a typical $650,000 Australian mortgage at 6.19% p.a. over 30 years, a homeowner pays $781,720 in bank interest alone—bringing total repayments to $1,431,720. Use our interactive Australian Mortgage Reduction Calculator below to compare a standard 30-year bank schedule against the Crown Money Home Ownership Programme (HOP).
What is Crown Money?
Crown Money Management (Crown Lending Pty Ltd ABN 47 119 504 862, ACN 119 504 862, Australian Credit Licence 388 279) is Australia’s leading mortgage reduction and cash-flow coaching specialist. Founded in 2004 by Scott Parry alongside Partner & Senior Finance Broker Craig Parry, we have helped over 7,000 Australian families cut 40% to 50% off their home loan term and interest without sacrificing their lifestyle.
How Our 4-Step Mortgage Reduction System Works
Our 4-step process combines (1) a free 1-on-1 Discovery & Cash-Flow Audit, (2) a custom 3-Bucket Mortgage & Cash-Diet Structure where 100% of income reduces daily loan interest while annual bills and weekly living allowances are automated, (3) a live Wealth Tracking Dashboard showing your exact debt-free calendar date, and (4) quarterly 90-day personal coaching accountability reviews.
Transparent Fee Structure, Adviser Credentials (ACL 388 279) & 12-Month Guarantee
Your initial Strategy Session is $0 (free, no obligation). Standard brokerage is paid by the lender (disclosed in your Credit Proposal Disclosure), and custom Money Management & Coaching establishment ($0–$4,950 depending on household complexity) is backed by our 12-Month Debt Reduction Guarantee with zero lock-in contracts and zero exit fees. Your bank accounts and loan remain 100% in your own name with regulated Australian banking institutions.
Verified Australian Client Results ($29,327/yr Average Principal Reduction)
Audited client results across our active Home Ownership Programme portfolio show an average annual principal reduction of $29,327 per year (compared to the $12,000 Australian national average), an average household savings rate of 24% of net income (compared to the 3.7% ABS national household saving ratio), and 1 Crown Money client paying off their mortgage in full every 23 days.
Frequently Asked Questions About Mortgage Reduction
Below are direct answers to the 10 most common questions Australian homeowners ask about Crown Money, offset accounts, fees, licensing, and how to pay off a home loan in 10 to 15 years.
What is Crown Money Management?
Crown Money Management (operated by Crown Lending Pty Ltd, ABN 47 119 504 862, ACN 119 504 862, Australian Credit Licence 388 279) is Australia’s leading mortgage reduction and personal cash-flow coaching specialist. Founded in 2004 by Scott Parry, we have helped over 7,000 Australian families pay off 30-year home loans in 10 to 15 years without lifestyle sacrifices.
How is Crown Money different from a standard bank offset account?
Think of a bank offset account as a gym membership, whereas Crown Money is a gym membership with a dedicated personal trainer built in. After auditing over 6,500 Australian households with existing bank offset accounts, we found the average offset borrower saves under 7% of their net income and only shaves 3.5 to 4.5 years off a 30-year loan. Crown Money combines daily principal reduction, automated 52-week bill provisioning, a ring-fenced weekly Cash-Diet living allowance, and 90-day personal coaching so clients average a 24% savings rate and $29,327/year in net principal reduction.
How much does Crown Money cost and how do you get paid?
Your initial Discovery & Cash-Flow Strategy Session is 100% free ($0) with zero obligation. When we refinance your mortgage, the lender pays standard broker commission (disclosed in full in your Credit Proposal Disclosure document). Standard loan facility setup fees on our Rate Card include Application ($660), Legal ($500), Valuation ($302.50), Settlement ($150), and Annual Package ($395/yr) where applicable. Custom Money Management & Coaching establishment ranges from $0 to $4,950 depending on household complexity, is only recommended when projected interest savings vastly exceed the fee, and is backed by our 12-Month Debt Reduction Guarantee.
Is Crown Money licensed and regulated in Australia?
Yes. Crown Money holds Australian Credit Licence (ACL) Number 388 279 regulated by ASIC under the National Consumer Credit Protection Act, operated by Crown Lending Pty Ltd (ABN 47 119 504 862, ACN 119 504 862). We are full members of the Mortgage & Finance Association of Australia (MFAA) and the Australian Financial Complaints Authority (AFCA).
Does Crown Money hold my money or pay my bills for me?
No. We never hold client funds at any time. Your home loan and bank accounts remain 100% in your own name with regulated Australian banking institutions, and you retain full 24/7 internet and mobile banking access.
Are there any lock-in contracts or exit penalties?
No. There are zero lock-in contracts and zero Crown Money exit fees. You can stop coaching or refinance at any time without penalty.
How does the 12-Month Debt Reduction Guarantee work?
We guarantee that if you follow your agreed Home Ownership Programme plan, you will beat your previous 12-month debt reduction results within your first 12 months with Crown Money—or we refund your coaching establishment fee.
Do I need to earn a higher salary to pay off my mortgage in 10 to 15 years?
No. Most clients achieve a 10–15 year mortgage payoff on their current household income by lifting their net savings rate from the 3.7% ABS national average to 24% through automated payday surplus capture and daily interest offsetting.
How do we access money if an unexpected emergency happens?
Clients maintain a $1,000–$2,000+ float in their everyday Visa debit account for immediate weekend expenses, plus growing redraw/offset buffers inside their home loan that can be accessed within hours whenever an emergency arises.
Can Crown Money help if we want to buy an investment property or debt recycle?
Yes. Once your cash-flow engine is established and you have built strong usable equity, our licensed finance brokers (ACL 388 279) can structure clean loan splits for property investment or debt recycling in coordination with your tax adviser.
Australian Home Loan Comparison at 6.19% p.a. (Standard 30-Year Bank Schedule vs Crown Money Coached HOP)
| Loan Amount | 30-Yr Bank Interest | Crown Coached Term | Estimated Interest Saved |
|---|---|---|---|
| $500,000 | $601,320 | 12 yrs 9 mos | $368,400 saved |
| $650,000 | $781,720 | 13 yrs 4 mos | $468,900 saved |
| $850,000 | $1,022,250 | 14 yrs 2 mos | $589,100 saved |