Crown Money Crown Money Mortgage
PayOff Plan
1300 882 981 Get my free plan
Free for the first time ever

Your personalised Mortgage PayOff Plan. Free, for the first time.

From Crown Money, the team that has helped 7,500+ Australian families become mortgage-free sooner and save millions in interest. See how many years and how much interest you could save, then walk through your plan with a mortgage specialist. No cost, no obligation.

Build my free plan → How it works
About 10 minutesNo credit checkFree specialist appointment
Example plan result
Mortgage-free 12 yrs 9 mths sooner
The bank's plan27 yrs 1 mth
Crown Money plan14 yrs 4 mths
Interest you keep$281,400
Invested by the bank's date*$1.04M
Progress to owning your home

Illustrative only: $520k loan at 6.1% over 27 years, fortnightly repayments plus $1,000/month extra. *Repayments invested after payoff at 6% p.a., before fees and tax. Not a forecast. Your plan uses your own numbers.

7,500+Australian families helped
Every 23 daysa client becomes mortgage-free
$50M+debt reduced for clients
Since 200420+ years of experience
Scott Parry, Founder and CEO of Crown Money
Why we're doing this

A thank-you, when families need it most

Interest rates have gone up again and again this year, and they're now the highest since 2011. I talk to families every week who are working hard, doing everything right, and still watching more of their pay disappear into interest.

So this Christmas, for the first time since we started Crown Money in 2004, we're giving away the personalised Mortgage PayOff Plan we build for our clients. It's our thank-you to every family who has trusted us, and to everyone still working out how to get ahead. Use it on your own, or book a free walk-through with one of our specialists. It's free until 31 December.

Scott ParryFounder & CEO, Crown Money

As featured in

A Current Affair Today Tonight The Australian Financial Review news.com.au Herald Sun The Daily Telegraph The Sunday Times The Advertiser The West Australian Money Magazine
60-second check

How much sooner could you own your home?

The statement nobody reads

On a 30-year loan, the bank's plan is built to collect interest

On a typical $650,000 loan at 6%, $3,250 of the first $3,897 repayment is interest. Over 30 years the bank collects $752,948 in interest, more than you borrowed. You don't pay more toward your home than toward interest until year 19.

Interest is calculated on your balance every single night. So a plan that points every spare dollar at the balance, automatically, can turn a 30-year loan into something far shorter, without earning more.

See my numbers → Read: 14 ways to pay it off faster

$650,000 at a constant 6.00% p.a. Bank: minimum repayments. Engineered: an extra $1,500/month once the system is running. Standard amortisation maths.

How it works

Three steps to your mortgage-free date

The same process we use with our clients, now free for you to try.

1

Tell us your real situation

Income, spending, your loan, your family, and what's coming up: school fees ending, a new car, a pay rise. The more realistic it is, the more accurate your plan.

2

Get your PayOff Plan

See the bank's plan against your plan side by side: years saved, interest kept, what you'd otherwise need to earn, and what that money could grow into by retirement.

3

Walk through it with a specialist

Book a free, obligation-free appointment with a Crown Money mortgage specialist to answer your questions and map out how to put it into action.

Start my free plan →
What's inside your plan

A real plan, built on your numbers

  • Pain vs gain, side by side: the bank's plan against your PayOff Plan, in years, dollars and age.
  • Your interest savings and new mortgage-free date, updated live as you switch strategies on and off.
  • Every strategy priced for you: repayment timing, offset, rate review, leak audit, bill negotiation, surplus sweep, debt roll-over, side income and more.
  • The "earn more instead" maths: the pay rise you'd need to get the same result, using 2026–27 Australian tax rates.
  • Your wealth after the mortgage: what redirecting your repayments could grow to by the bank's payoff date and by retirement.
  • Your 30-day launch plan and money habits, plus a downloadable PDF to keep and share.
Proprietary performance data

Results that speak for themselves

Crown Money clients compared with the Australian national average.

Average annual mortgage reduction
$29,327
vs $12,000 national average
Debt-free milestone
Every 23 days
a Crown Money client becomes 100% mortgage-free
Average savings rate
24%
vs 3.7% national average

Data source: Crown Money internal audit (2026). Statistics represent the average performance of active Crown Money clients following the proprietary debt reduction system. Individual results vary.

Why Crown Money

Financial personal trainers for your mortgage

Crown Money Management is an Australian mortgage reduction specialist founded in 2004 by Scott Parry. Using our proprietary Home Ownership Programme (HOP) and cash-diet system, we help Australians become debt-free in up to half the time, while still enjoying life.

  • 1
    Strategy first, rate secondA low rate is good, but the right strategy is what actually pays off your mortgage. We focus on the structure that saves you the most interest.
  • 2
    Ongoing financial coachingWe don't set and forget. Our coaches work with you monthly so you hit your goals and stay on track.
  • 3
    Proprietary technologyOur wealth tracking dashboard shows your progress in real time, so you know exactly when you'll be mortgage-free.
The Crown Money team at the Better Business Awards
20+Years of experience
2026Award winner
Scott Parry, Founder and CEO of Crown Money
From our founder

"Banks shouldn't keep you in debt."

Scott Parry founded Crown Money in 2004 out of frustration with a banking system designed to keep people in debt for as long as possible. He developed a strategy that helps homeowners use the income they already earn more effectively, attacking the principal of their mortgage while still enjoying their lifestyle.

Two decades on, Crown Money has helped thousands of Australian families save millions in interest and take decades off their mortgages. The mission now is to help 5,000 Australian families a year become mortgage-free and build lasting wealth. Your free PayOff Plan is the first step.

Scott ParryFounder & CEO, Crown Money
Real families, real results

"We wish we'd done this years ago"

Jo and Luke
★★★★★
"We have been amazed at how quickly we have been paying off the principal of our home loan and wish we engaged Crown Money 8 years ago. The financial freedom we are now feeling is something we thought we wouldn't experience for at least another 15+ years."
Jo & Luke
Matthew
★★★★★
"The best financial decision I've ever made was having the good fortune to hear about you when I was organising my mortgage. I'm on track to pay off my mortgage now in 10 years instead of 30 just by being on the program."
Matthew
Todd and Sarah
★★★★★
"We were a bit skeptical at first and thought it was a little too good to be true. We have never saved so much and we love having the much-needed support and guidance from Craig and the team."
Todd & Sarah
Kamani & Scott
Dominic & Elisabeth
Marcus & Taryn
Peter & Karina
Google reviews

What our clients say

Award-winning

Recognised for service and results

Better Business Awards 2026 Winner, SA Best Customer Service (Office)
2026 Winner
SA Best Customer Service (Office)
2025 Winner, SA Best Boutique Non-Franchise Office
2025 Winner
SA Best Boutique Non-Franchise Office
2023 Winner, SA Best Boutique Independent Office
2023 Winner
SA Best Boutique Independent Office
2022 FBAA Finance Broker of the Year (SA) Winner
2022 Winner
FBAA Finance Broker of the Year (SA)
2022 Winner, SA Best Independent Office
2022 Winner
SA Best Independent Office
2021 FBAA Finance Broker of the Year Winner
2021 Winner
FBAA Finance Broker of the Year
2021 Better Business Awards Winner, SA Best Independent Office
2021 Winner
Better Business Awards, SA Best Independent Office
2020 Finsure Broker of the Year Winner
2020 Winner
Finsure Broker of the Year
Questions

Frequently asked questions

I've spoken to Crown Money before. Do I have to talk to someone?

No. Your plan is yours to keep and use on your own, whether or not you've spoken to us before. If you'd like help, you can book a free walk-through with a mortgage specialist, but there's no obligation and no pressure.

Is the Mortgage PayOff Plan really free?

Yes, until 31 December 2026. There's no cost for your plan, and no cost for an appointment with a Crown Money mortgage specialist to go through it if you book on or before 31 December (even if the appointment itself is in January). There's no obligation to go any further. From 1 January 2027, the plan will be $990, including a 1-hour consultation with a mortgage specialist.

Why is Crown Money giving this away?

This is the first time we've made our PayOff Plan available to the public. People who understand how daily interest works make better decisions about their loan, and some will choose to work with us to put their plan into action. That part is always optional.

Will this affect my credit score?

No. Building your plan doesn't involve a credit check, and nothing is lodged with any lender.

What information do I need?

Your approximate take-home pay, monthly living expenses, mortgage balance, rate and repayment, any other debts, and any changes you can see coming. Best estimates are fine, and your specialist can refine the numbers with you.

Do I need to change banks or refinance?

Not necessarily. Many strategies in your plan work with your current loan. If you do refinance, the golden rule is never to restart the 30-year clock. Your specialist will explain.

Can I download or share my plan?

Yes. Download your plan as a PDF, email it to yourself, or share a private link with your partner. Contact details are never included in a shared link.

How is my information used?

Your answers are used to build your plan and prepare for your appointment, and are handled in line with our Privacy Policy.

The cost of waiting

Every night you wait, interest is charged on your full balance

On a $650,000 loan at 6%, that's about $107 tonight, and every night after. Your free plan takes about 10 minutes.

Interest charged on that loan since you opened this page: $0.00

Get my free plan →

Know someone with a mortgage? Share the free plan

Call us Get my free plan →