Crown Money Management

Pre Retiree

No-Risk Money Coaching | Lowest Total Cost Loan | Rapid Debt Reduction

are you a first home buyer?

With the right approach, you could set yourself up for success, and have your mortgage paid off decades faster than your friends.

If you are like the other young Australians looking to buy their first home, the finance process seems daunting. However, when it comes to setting yourself up for financial success, things aren’t what they seem.

We’ve helped 5000+ aussies like you

You do not have to be in debt for 30 years! That’s a myth the banks want you to believe because the longer you’re in debt, the more money they make off of you. With the right structure, the only thing holding you back from rapidly paying down your home loan is your money management habits. Don’t believe us? We’ve already helped 5,000+ Aussies to do exactly that.

CODY: “Brilliant, couldn’t begin to imagine we would be in the position we are in already. Thanks to Crown we are pretty much stress-free about the “scary” mortgage payments everyone told us about.”

MICHAEL: “Before I was introduced to Crown Money, I thought I was doing all the right things, but I wasn’t seeing the results I had anticipated. After speaking with Crown Money, it was an absolute no brainer that this was the loan structure for me. I finally have the financial structure I need to gain financial freedom”
Michael has paid off $26,354.59 in the last 12 months on a single income.

TRACEY: “Great team always in contact with us to make sure everything is going ok . You all know your stuff and we wholeheartedly trust in you to look after our financial future”

DARREN AND KIM: “We always look forward to our monthly statements arriving as this keeps us motivated, seeing how much closer we are to achieving our goal of paying our mortgage off completely.”
Darren and Kim paid of $41,226.43 in the last 12 months.

sign up for our 7 day challenge

We’ll walk you through 7 easily actionable steps that will kickstart your financial goals and save you thousands of dollars.

how we’ll help you own your first home in under 10 years

personal money coaching

We assign you a personal money coach who is available to educate and coach you for the life of your home loan.

tracking and budgeting

We track and manage your money so you can hit your goals and pay off your home loan up to 4x faster.

habit reversal techniques

We help you to curb impulse spending, enhance your credit score, eliminate bad debt, and turn your financial future around.

hands-off management

We manage your cash flow for you so that you can focus on what you do best: making money. All you have to do is respond to your coach.

expert deal making

We help you negotiate with the banks, get the best deal possible, and secure you our assistance until you’re living a debt-free life.

financial progress reports

We send you monthly, quarterly and annual reports so you can keep tabs on your performance and implement our strategies to fast track your financial progress.

step 1: complimentary welcome call

Getting to know your lifestyle, earning potential, needs, and desires on a quick call is the first step in the process of tailoring a debt reduction strategy that will set you up for success.

step 2: personal strategy presentation

After your welcome call, our team will design a strategy to be presented to you on our 1-hour follow-up meeting. During this meeting, you are free to suggest any changes you see fit.

step 3: deposit discussion

We’ll check what Government Grants are available to you, then confirm what you’ll need in savings in order to proceed with your purchase. If you don’t have enough in savings, we’ll work through a savings plan with you and setup an accountability program to keep you on track

step 4: pre-approval

A Pre-Approval will confirm how much you can borrow based on your income, liabilities, savings and family situation. A Pre-Approval gives you the security of knowing exactly how much you can borrow, more bargaining power with sellers and a faster approval process once you have found your property

step 5: finding your home

Now that you know your borrowing power, it’s time to determine how much ‘home’ it’s likely to buy you and in which suburbs you can afford to live. The real estate section in newspapers, the Internet (www.realestate.com.au), local papers and real estate agents are all useful sources of pricing information.

Once you have settled on an area, you should tell a few real estate agents what you are looking for so that they can put their ‘feelers’ out for you. Remember, real estate agents are employed by the vendor, so make sure you do your own research as well.

step 6: building inspections

Anyone buying a home should have it inspected for faults. Make sure the property you buy isn’t a dud – and there are plenty out there, especially in cities where housing stock can be very old and run down.

There are number of different inspections to be made depending on the type of property, including:

  • Building Inspections;
  • Pest Inspections;
  • Electrical Inspections;
  • Strata Inspections; and,
  • A Land/Property Survey


At the very least you should be obtaining a building inspection. These inspections are likely to cost anywhere between $200 and $600 each. Don’t baulk at the cost. It is vital that you find out about any hidden nasties like damp, shifting foundations, faulty wiring and plumbing. Then you can factor in the cost of repairs to the purchase price or decide to drop the deal altogether.

step 7: making an offer

After your inspections, if you’re still satisfied with the property, it’s time to make your next move. While it is important to be cautious in approaching price negotiations, don’t be too inflexible. After all, you want this property. The last thing you want is someone beating your best bid by a few hundred dollars, knowing that the property is worth much more.

The most common way to buy property is by sale through a real estate agent. If a property isn’t going to auction, you are saved from the stress of auction day, but are then faced with the daunting question of how much should you offer?

If a home price tag says $250,000, this may not be how much the vendor really wants. Many agents say that it’s usually wise to make a lower offer within 5 per cent of the asking price, although this percentage can increase in a slow market.

Once your offer is accepted and you’ve accepted the sale contract, it’s time to pay the deposit. This is typically given to the real estate agent, who holds it on behalf of the vendor in a special trust account until the sale is finalised.

step 8: legal legwork

You will need to arrange conveyancing, which is the transfer of property title from one person to another.

Most people employ a solicitor or conveyancing expert. The services of conveyancing specialists cost between $500 – $1,500. Conveyancing fees cover all the costs of the transfer of property, except for stamp duty, and most conveyancing firms will give you a free quote.

step 9: settlement at last

Settlement day is the day that your settlement agent meets with the vendor to swap your cheque with their title of ownership. Government departments need to be notified of the change in ownership, and this is typically taken care of by your solicitor or conveyancer.

Congratulations, you are now the proud owner of your new home and you’re on your way to building your ‘Property Portfolio’ . Buying your first home is a major achievement and it involves time and effort.

Once settlement has been completed, you’ll be contacted by your Personal Money Coach who will guide you through the ultimate setup of your new home loan.

are you ready to set yourself up for success?

The young Aussies who use our program pay down their home loans by $30,000+ each year and save $100,000’s in interest payments over the life of their loans. If you want to fast-track your debt-reduction like they have, and be out of debt decades before your friends, then reach out to us today.