Jemima & Brad: On Track for Complete Home Loan Freedom at Age 36
Key Results: $520,000 Loan · 19 Years Saved · $340,000+ Est. Interest Saved
Brad has been with Crown for 17 years. Scott's guidance and advice has helped us progress to an amazing financial position where we are getting close to paying off our house mortgage. Starting Loan: $520,000 (30 Years). New Coached Trajectory: 11 Years (19 Years Saved, $340,000+ Est. Interest Saved) with a 27% net household savings rate.
The Starting Position & Full Case Study Story
Starting early in their working lives, Jemima and Brad wanted to avoid the 30-year bank treadmill and pay off their family home while still in their 30s. Most Australians accept that buying a family home means carrying mortgage debt until age 60 or 65. Brad first connected with Crown Money founder Scott Parry 17 years ago with a clear ambition: build a structured financial foundation early and never fall into the 30-year bank interest trap. As Brad and Jemima progressed through major life stages—getting married, upgrading their family home in South Australia with a $520,000 mortgage, and raising children—their Crown Money coaching structure adapted at every 90-day review. By keeping their living allowance separated from their primary loan engine and building substantial redraw buffers ahead of parental leave and family milestones, they maintained an average 27% household savings rate across market cycles. Today, at just 36 years of age, Jemima and Brad are in the final stretch of completely eliminating their home mortgage—saving 19 years of loan repayments and over $340,000 in bank interest.
The Crown Money Strategy Implemented
Structured their $520,000 family home mortgage to maximise daily interest offsetting across every pay cycle. Used 90-day coaching reviews with Scott Parry and the Crown Money coaching team to adapt their budget through marriage, property upgrades, and children. Built dedicated redraw buffers ahead of planned family milestones so they never relied on personal loans or credit cards. Maintained a 27% household savings rate, cutting a 30-year mortgage trajectory down to 11 years.
Month-by-Month Implementation Timeline & Verified Client Quote
"Brad has been with Crown for 17 years. Scott's guidance and advice has helped us progress to an amazing financial position where we are getting close to paying off our house mortgage." — Jemima and Brad, SA, Australia (Verified 2026-10-08). Watch video testimonial: https://storage.googleapis.com/crown_money/Video%20Testimonials/marcus_%26_taryn_burdett_(k)_v1%20(720p).mp4
Foundation Years
Brad began working with Scott Parry to establish automated cash-flow habits from his first property.
Family Home Upgrade ($520k)
Transitioned into their family home using clean HOP structuring and 52-week family bill provisioning.
Age 36 Milestone
Approaching complete mortgage discharge 19 years ahead of a standard 30-year bank schedule.
Before vs After Crown Money Comparison — Jemima and Brad (SA, Australia)
| Financial Metric | Before Crown Money | With Crown Money HOP |
|---|---|---|
| Family Home Loan Balance | $520,000 (Standard 30-Yr Schedule) | $520,000 Coached Crown HOP Structure |
| Total Mortgage Term | 30 Years (Payoff Age 55) | 11 Years (Debt-Free at Age 36) |
| Years Shaved Off Mortgage | 0 Years | 19 Years Saved |
| Average Household Savings Rate | 3.7% National Benchmark | 27.0% Verified Savings Rate |
| Total Bank Interest Saved | $0 | $340,000+ Estimated Interest Saved |
Related Calculators & Verified Case Studies
- Calculate Your Own Mortgage Savings — Run your loan balance and interest rate to see how many years you could cut off your mortgage.
- How to Pay Off Your Mortgage Faster in Australia (Pillar Guide) — Read our complete breakdown of daily interest reduction and automated cash-flow coaching.