At Crown Money SA, we don’t just help you borrow, we help you build. Through education, regular reviews, and personalised coaching, we’ll guide you to make smarter financial decisions for life.
Want more than just a loan – want a clear plan? Our Financial Coaching & Strategy service helps you understand your numbers, build better money habits, and follow a personalised roadmap designed to reduce debt, grow wealth, and keep you in control of your financial future.
Everything starts with a deep dive into your current position: income, expenses, debts, assets, and goals. Instead of generic advice, you get a clear picture of where your money is going and what needs to change to move you forward faster. Together, we identify quick wins, hidden leaks, and strategic opportunities so every dollar has a job and is aligned with your long-term goals.
Your coach then designs a tailored financial strategy that fits your lifestyle, not the other way around. This can include debt reduction plans, smarter loan structures, cash flow frameworks, and savings or investment milestones that are realistic and achievable. The focus is on practical, step-by-step actions you can follow with confidence, rather than overwhelming theory or complex jargon.
Real change happens over time, which is why this service includes ongoing support rather than a once-off meeting. Through regular check-ins and reviews, your coach keeps you accountable, helps you adjust your plan as life changes, and makes sure you stay on track. You’ll gain confidence in making financial decisions, knowing you have a professional sounding board focused on your long-term success.
Whether your goals are to pay off your home sooner, build an investment portfolio, or simply feel in control of your money, our Financial Coaching & Strategy service connects the dots. By combining clear structure, expert guidance, and consistent support, we help turn financial goals into measurable progress – and, ultimately, lasting financial freedom.
Your borrowing power depends on your income, expenses, debts, and deposit size. At Crown Money SA, we not only calculate what you can borrow, we help you understand what you should borrow to stay financially comfortable and reach your goals faster.
Yes! Many clients use built-up equity in their current home to purchase an investment property or upgrade. We’ll help you structure your loans smartly so you grow your wealth without over-stretching your cash flow.
Most lenders require 10–20% of the purchase price, though this can vary depending on your situation. We can also explore low-deposit options and guarantor structures to help you get into the market sooner.
Absolutely. Refinancing can reduce your interest rate, consolidate debt, or free up equity for renovations or investments. We also review your loan structure to ensure your repayments are working to reduce your debt faster, not just maintain it.
Generally, you’ll need recent payslips or tax returns, ID, bank statements, and details of any current debts or assets. We’ll provide a simple checklist and guide you through the process step-by-step.
Pre-approval timeframes vary by lender, but most applications take 3-10 business days, depending on how quickly supporting documents are provided and how busy the lender is. Full approval usually follows once your property is confirmed. Our team keeps the process moving and communicates with you every step of the way.
Unlike traditional brokers, we don’t stop once your loan settles. We offer ongoing coaching, accountability, and annual reviews to help you pay off your home in record time, often within 12–15 years instead of 30.
Rental income can help you qualify for a higher loan amount, while tax deductions (like interest and depreciation) can improve your cash flow. We’ll show you how to structure your investment loans to maximise these benefits safely.
An investment loan is designed for properties you rent out, not live in. Lenders assess them differently, often with slightly higher rates. We’ll help you choose the right setup so your investment supports your long-term wealth strategy.
