Live mortgage free & financially secure

Own your home faster, pay less interest and secure your family’s financial freedom today.

EVERY 23 DAYS WE HAVE THE PRIVILEGE OF CALLING A CLIENT AND TELLING THEM THEY’VE PAID OFF THEIR HOME LOAN USING OUR SYSTEM, AND CAN LIVE A MORTGAGE FREE LIFE!

Are you frustrated with having your income devoured by your home loan repayments every single month and your home loan not reducing fast enough?

Do you know where all your money goes?

It’s not about how much you earn, it’s about how much you keep of what you earn!
We can help you pay off your house in up to half the time by getting you on to the right financial structure.

What would your life be like if it was mortgage free?

Crown Money Are Australia’s Leading Equity Creation And Mortgage Reduction Specialists.

For over 20 years, Crown Money has helped thousands of hard-working Australian families fast-track their mortgage repayments, enabling them to transform their home ownership dreams into a reality. With our financial strategies, structure & support clients have increased their savings by over 200% and will pay their house off in 50% of the time.

Do you want to see how much money we can SAVE you ?

our average client pays $32,400 a year off their home loan and saves 21% of their income.

How we help you maximise your financial position:

A personal financial coach guiding you every step of the way so you know when you can next invest, how much you can borrow, and how exactly what date you will own your home
Wealth tracking software showing your cashflow, net worth, savings rate, equity position
Regular reviews on how to grow your assets, income and net worth
A revolutionary money management strategy proven to save you tens of thousands in interest
Crown Coins - a group buying discount card enabling you to receive at least 5% discounts on your shopping
Group Coaching to increase your financial IQ
Property Planning

How we help you maximise your financial position:

A personal financial coach helping you know when you can next invest, and how much you can borrow, and how to pay your house off faster
Wealth tracking software showing you exactly what day you will own your home
Regular reporting on how to grow your Net Worth
A revolutionary money management strategy proven to save you tens of thousands in interest

Success Stories...

Abbey Hutchesson

2023-07-24

Ruben and the team do an excellent job, we are very grateful to have found an easy way to save and track our money. Highly recommend contacting the team if you are looking to get ahead and get your money sorted.

Kath Mac

2023-07-22

After a referral from a friend Reuben was amazing so helpful with every step of the way explaining things simply to help me understand how beneficial there structure can be reducing my debt alot sooner than I could imagine. Great team of staff & completely reccommend Crown Money they work for you & take away the stress.

Riley Lehr

2023-07-20

My wife and I were looking to buy a house and we got put in touch with Reuben who took time out of his weekend to get on a call with us to explain the mortgage structure and go over our financial options. He was very friendly and helpful, and was able to give us some really useful information about how quickly we'd be able to pay off our mortgage using their payment structure. We were able to quickly have an offer for a house accepted and Crown was even able to help us bring settlement forward when the previous owners left early, they handled almost all the paperwork and made the process super easy for us. Can't recommend these guys enough for your finance needs.

Ravin Girdhar

2023-07-17

We have been working with Craig Parry from Crown Money Management for the last three years and he has been managing our mortgages. He has always provided us with great advice and has helped us pay down our home loans faster. He is very knowledgeable and professional. We highly recommend him.

Wes Robinson

2023-07-12

I can’t recommend Crown Money high enough. Reuben and the team have been first class in their efforts and have always kept us up to date with the progress of our refinance. Nothing was too big or too small. Reuben’s customer service was a clear highlight throughout the experience. Many thanks again Reuben & Crown Money!

Enrika Barron

2023-06-25

I have just become part of the Crown Money Management Family having completed the necessary requirements for them to look after me and my finances. Scott Parry took the time to call me to check in, congratulate me and welcome me to this new exciting chapter that is to begin in my life, even though he was overseas on a holiday! I was touched by this gesture and became emotional for his thoughtfulness and kindness in taking the time to reassure me and make me feel secure. When it comes to money, it does not come easily to me as I find it very stressful and causes me great anxiety in completing the necessary tasks to complete the refinancing. As a single woman, it can be a daunting process in mapping out a future that provides financial security, yet allowing you to live comfortably and enjoy life. The team at Crown Money have been instrumental in supporting me through this process and being more than patient with me and for that, I am very appreciative. I couldn't be happier in engaging the team at Crown Money to guide, support and help me in believing that I will be financially comfortable. As I start my new financial journey, it's time to get used to settling into this new way of managing my money. It will be a complete change of mindset and I will learn and grow from this. I now know that I don't have to manage my money from a deficit mindset but can start to live a life where I can make my dreams come true. Thank you most sincerely from the bottom of my heart for giving me security, a safety net and the reassurance to know that I will be alright. That's all I needed to allay my worries and fears in this current economic climate and Crown Money Management have given me that peace of mind. Scott, I was touched by your phone call and I look forward to a bright, happy future being able to experience all that life has to offer.

Troy Barratt

2023-06-22

Like a lot of you, I was sitting on the fence about what to do with my home loan. After a meeting with Reuben, that quickly changed. The feeling of saying goodbye to one of the big banks was awesome, and I couldn't be happier. If you're thinking about changing your life for the better, make an appointment with Reuben, and I guarantee you won't look back, possibly one of the best decisions you could make.

Coula Ilijevski

2023-06-21

Switching from 33 years with our bank to Crown Money has been the best decision we have ever made. The transition was quick and simple thanks to Reuben taking us through the process. Reuben explained to us using our financial information of exactly how we could be mortgage free in just a few short years. We don’t need to worry about any of our bills as it’s all taken care of. We just continue to earn our income and enjoy life without the stress of day to day money woes. We recommend to just give Reuben the opportunity to explain how it works and you will be amazed. We only wish we knew about it sooner.

Kristie

2023-06-18

I worked with Reuben in another field and heard that he was now working with crown money. we happened to cross paths again and I asked him what crown money was all about and how it could help me. We set up meeting and he went through the how's and whys of crown money Vs big banks. He Showed us how our mortgage can be paid off in 14yrs. Like wow not 30yrs but 14yrs. If you are reading this review you really need to hit Reuben or one of the other guys @crown money up and get on board being debt free and owning your own home sooner BTW Reuben Is a top bloke who is honest and up front. Something you don't come across much theses day. Definitely not a dodgy sales person just after a number.

Lindsey Doolin

2023-05-30

I joined Crown Money about 10 years ago, at a time in my life when my finances were running off the rails. They literally saved my life. I've been able to take the trip of a lifetime, do home renos, landscape my front and back gardens, bought a car and so much more, all with the money I had in redraw. Their staff are so positive. They make you accountable and feel like you're really achieving your goals. They partner with you and I really couldn't do life without them now! Thanks Crown Money!

accountability is the key.

you need a financial strategy so you know exactly where you should be financially at any point in time and what your next steps are on the pathway to financial freedom.

You know you could be doing better financially…

People always spend what they have access to, it’s human nature!

Over the last 20 years we’ve spoken to over 6,500 people just like you, and we know that just showing you how to budget and change your spending habits isn’t enough.

We have to coach you monthly throughout your financial journey and show you exactly where you can improve your financial position, so you can consistently make financial progress because you’re making smarter financial decisions.

Your dedicated financial coach will work with you to help you reduce your fixed expenses, stop those unnecessary impulse buys, keep track of your milestones and help you stay focused so you can achieve your financial goals.

Our Services

Rapid Mortgage Reduction Solution →

Wealth Tracking & Reporting →

Dedicated Financial Coach / Family CFO →

Rapid Mortgage Reduction Solution →

Wealth Tracking & Reporting →

Dedicated Financial Coach / Family CFO →

Here’s how the Crown Money Program Works

Be on Your Way to a Life Free from Mortgage Prison in 3 easy steps

We are the experts in helping families live DEBT FREE

A FREE intro Financial Strategy Session

Our dedicated team of Financial Coaches will get an understanding of your financial goals, analyse your current mortgage structure and results and then present you with a financial freedom plan for fast-tracking your mortgage and show you exactly how much money and time they can save you and your family.

We Take Care of all the details

We handle all the paperwork, we set the structure up for you, we deal with your current bank, we make the transition as smooth as possible for you. All you need to worry about is earning and spending money, we take care of the rest. No more worrying about money is what our clients say they love most about this program.

Watch Your Equity Grow

No more spinning the wheels on your mortgage paying mostly interest! We report to you each and every month on how much PRINCIPAL you are paying off your mortgage, How long you have to go on your mortgage and when you’re ready to make your next move financially.

Financial Progress = Happiness

FAQs

What is Crown Money?

Crown Money is one of Australia’s leading financial coaching services where we have been helping clients pay off their houses in up to half the time. We structure client’s mortgages in a way that allows them to cut anywhere from 40 to 50% off the total amount that they will end up paying for their home, allowing them to be debt free up to twice as fast.

When most people get a standard home loan, at the end of their 30 year loan term they end up paying back close to double the original loan amount to the bank due to interest payments.

For the past 20 years we have specialised in helping clients save thousands of dollars in interest repayments and pay off their house much faster than what they’re currently tracking for.

We have a wide range of financial coaching services to cater for all Australians and their financial needs and we also have financial coaching programs for people who don’t have a mortgage and need help with their money management.

How much does it cost?

The cost varies depending on the service level that our clients choose. We have bronze, silver and gold packages which allow our clients to decide how much financial coaching they require and how frequently they require our help and guidance.

I don't have a mortgage yet but I'm looking to buy. Can you help me?

If you have a deposit saved and you’re looking to purchase a property, we have a finance arm that helps you find the ideal finance structure and pre-approvals to enable you to purchase a property. If you don’t have a deposit, we will have to discuss with you a fee for service based on your specific circumstances.

I have an offset account, so I'm already saving interest, how is this different?

The easiest way to describe the difference between an offset account and what we do as financial coaches is think of an offset account as a gym membership.

We’re like a gym membership with a personal trainer built in. We know that people with personal trainers get better results than those who just try and attempt to go to the gym themselves.

Offset accounts are there to traditionally help ‘offset’ interest. However, they don’t accelerate the reduction in principal to be paid out in under 15 years due to the way the offset loans are structured.

We deliberately structure our money management system so that it reduces principal rapidly and offsets interest at the same time. Getting a 2 prong attack of debt reduction and interest offset working in your favour. The other key difference we have seen with an offset account is they usually only save clients four or five years off a 30-year loan, compared to the vast majority of our clients using our Financial Coaching structure are out of debt and own their homes in under 15 years. The clients on the Crown Money Management system are outperforming what they were doing before they met us when they had an offset account, even though they have the same income and debt level.

Most of our clients have come from an offset account and a ‘cheap rate’ with a bank as their offset account wasn’t working as well for them as they had expected. Those clients are now saving 200% more and paying down their loans in 50% of the time. A big reason for this uplift in their performance is the financial coaching and software that allows us to coach you on your financial numbers such as your savings rate, your debt reduction speed, surplus cashflow position, what day you will own your home, and how much equity you’ve created in your property. The guidance we provide clients around increasing your income, with scripts and strategies on how to get pay rises, as well as helping reduce their expenses with initiatives such as Crown Coins and auditing your fixed expenses are key reasons these clients make and save as much money as possible compared to an offset account.

I'm disciplined with my money and stick to a budget. Why would I need this?

This Money Management system is designed to help accelerate your debt reduction as well as your net worth, and just because you’re disciplined and stick to a budget doesn’t mean that you’re outperforming financially. If you don’t know your numbers or measure them you aren’t in control financially. Do you know when you can make your next financial move such as buying your next property? Do you know how much you could afford, and when you can afford to do that? Do you know your savings rate? Your surplus cash flow position? Do you know exactly what day you’re going to pay your house off ?

Just because you stick to a budget doesn’t mean that you’re financially secure and in the best position where your money is working the hardest for you and you’re making excellent financial progress.

A lot of the time people do not have a financial plan in place. We come in and help build that financial strategy and tailor it to clients and their specific goals and dreams.

Do you control all my money and pay my bills for me?

No, we don’t control anyone’s money and we don’t pay anyone’s bills for them. We specifically help with the management of all cash flow and optimize it to make sure that your cash flow structure is running as efficiently as possible.

We simply make sure that your funds are available for you when your bills and large expenses are due.

Do you hold my money or is it still sitting with a bank?

We do not hold any money on behalf of you. Your loan and your bank accounts are in your name, so all your banking is with your bank or the new financial institution that you choose to take out your finances with. We do not hold any money on behalf of any clients at any time.

Why can't I achieve the same thing with my current bank?

Most Australians think they can achieve great financial results as long as they’ve got a cheap rate and an offset account, but having seen over 6,500 Australian’s financial positions (with offset accounts and cheap rates), they’re unfortunately not outperforming the average Australian. Their savings rate is below 7%. Our average client savings rate is above 20%. Their annual debt reduction is close to $10,000pa and our average client’s annual debt reduction is over $30,000+.

Your current bank is focused on keeping you in debt for as long as possible, they’re financially incentivised to make sure you’re paying interest for the longest period of time.

We have designed loan structures and money management systems to help you reduce interest, cut down your loan term and make sure your money is working as hard as possible for you.

I hate paperwork, how long does it take to get set up?

We all hate paperwork 🙂 This is similar to going on an overseas holiday. You’ve got the check-in, you’ve got the baggage check, and you’ve got customs and then you’ve got boarding of the plane… All of those frustrating hoops you’ve got to jump through to get to your final destination …. an amazing island holiday.

It’s very similar to this process as there is paperwork required, being in the financial services industry we need to be compliant with all the rules and regulations.

We have to comply with Anti Money Laundering, Know-Your-Client and Best Interest duty, it is an unavoidable part of this process.

The time for the Money Management system to be implemented and setup usually takes four weeks to six weeks from our initial meeting.

How do we access our money if there's an emergency?

Clients usually have a ‘float’ sitting in their spending account or their Visa debit account. This float, is usually $1000+, and is sitting there to cover any emergencies on the weekends.

We are also able to help access funds for an emergency usually within a few hours. There are plenty ways to access money if there’s an emergency and we ensure that you’ll never be caught short.

What happens if I want out?

There are no lock-in contracts, there are no handcuffs or penalties for leaving. You can come and go as you please. So if you want out, you can leave at any time. There’s no break costs. There’s no exit fees. Pure and simply you can pick and choose when you come and when you go.

What's the catch. Why isn't everyone doing this?

Well, why weren’t you doing this before today? Probably because you didn’t know about it, it’s not something that your bank or your broker has discussed with you how you need a financial coach. We let our 20+ years of above average results, case studies, testimonials and happy google reviews speak for themselves.

Did we not answer your question? See more FAQ here

The Crown Money Difference - Client Financial Transformations

We Are On Your Side - Not the Banks!

Learn from Crown Money’s founder and CEO Scott Parry on how you can beat the banks and pay off your home loan in under 15 years.

Don’t just take our word for it

We’re often featured in many trusted sources

The Crown Money Difference - Client Financial Transformations

"My Partner and I joined Crown Money towards the end of 2022 and have already seen the massive impact of debt reduction. Our new loan structure is already allowing us to achieve our financial goals and explore investment opportunities.The team at Crown Money could not have made it any easier for our transition of accounts and loans. They provide great detailed 6-monthly reviews and fantastic assistance for any financial matters. We highly recommend anyone to get in touch with the team at Crown Money to see how they can help!"

Jack Mezzino (joined in 2022)

"After engaging with the crew at Crown Money, it became apparent very quickly that it was the best financial decision we've made. After years of paying down the mortgage in the typical / traditional fashion, the team put in place a repayment mechanism which resulted in us now being mortgage free. What this has allowed us to do is invest in other property, which we have done through Crown Money. As mentioned, it's the best decision we've made and has set us up well for the future."

Ernie Papadopulus

"I am incredibly grateful to the team at Crown Money for their unwavering support and expert guidance in helping me secure my first home loan. Their professionalism, responsiveness, dedication and expertise made the entire process seamless and stress-free. Thanks to Crown Money’s guidance, I now have a solid financial plan in place that aligns with my long-term goals, and I feel well-informed and empowered to make my money work for me in the most effective way possible. I highly recommend the team at Crown money to anyone seeking personalised financial advice, support and/or solutions."

Matthew Lobasso

"I had the pleasure of meeting up with Crown around two years ago now and it has been the one of the best things I have done, I just wish I had met him earlier. I cannot believe how much I have been able to pay off in this short amount of time and I love the way it’s all set up. Thanks to the team at Crown money and Craig I can see clearly what’s going on with my finance. I would highly recommend them to anyone."

Greg Sheppard

"Still very fresh into our Crown Money journey but all signs so far are extremely positive, I was a little unsure at first as to how the whole process worked and how I would benefit from changing over from a traditional mortgage to a more structured money management set up but after sitting down for a presentation it all made perfect sense. The team made the transition extremely easy and also catered for a few extra needs to our personal situation. Going through the whole process has also helped me be more aware of where my money has been previously going and has helped us get our budget back on track to help pay off our home as quickly as we can."

James Coveney

"Crown and the team has been fantastic. They have helped us be more aware of our spending and we have managed to pay off multiple credit cards which is such a relief. Now we are making good headway to pay off our mortgage years ahead of where we would have been. I highly recommend them."

Ian Wishart

"The Crown Money team have made the whole experience of buying an experience you will not get anywhere else. They took the stress and work out of it for me. Aside from being a very smart way to set up your mortgage it was the smoothest process I have ever had. Settlement was taken care of without the usual headaches of a bank, the team took care of everything. And after settlement they are still here 100%. And having this type of mortgage in place has made all of those rate rises way less stressful than it would have been with a standard mainstream mortgage. I will never look anywhere else."

Live mortgage free & financially secure

EVERY 23 DAYS WE HAVE THE PRIVILEGE OF CALLING A CLIENT AND TELLING THEM THEY’VE PAID OFF THEIR HOME LOAN USING OUR SYSTEM, AND CAN LIVE A MORTGAGE FREE LIFE!

Crown Money Are Australia’s Leading Equity Creation And Mortgage Reduction Specialists.

our average client pays $32,400 a year off their home loan and saves 21% of their income.

How we help you maximise your financial position:

How we help you maximise your financial position:

Success Stories...

see how we can help you

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accountability is the key.

you need a financial strategy so you know exactly where you should be financially at any point in time and what your next steps are on the pathway to financial freedom.

Our Services

Here’s how the Crown Money Program Works