Starting your property journey in?
We’ll guide you through every step, from understanding the Goverment Concessions to maximising available grants, so you can buy your first home with confidence.
Taking your first step onto the property ladder can be exciting but complex. Our First Home Buyer Support service guides you through every stage—from understanding grants and incentives to securing the ideal loan structure—so you start your homeownership journey with confidence and clarity.
We help you navigate Australian government programs such as the First Home Owner Grant (FHOG) and Home Guarantee Schemes, which can provide significant financial assistance and reduce upfront costs. From eligibility assessments to application support, we ensure you access every available incentive tailored to your location and circumstances.
First-home buyers often need flexible loan options designed to accommodate limited deposits, variable incomes, or special conditions. Our expert team crafts mortgage solutions that balance affordability with long-term wealth building, ensuring lower interest costs, equity growth, and a clear plan to become mortgage-free sooner.
Buying your first home is a major decision, and we’re committed to making the process transparent and understandable. We provide clear advice on budgeting, credit score improvement, loan options, and property types—empowering you to make informed choices at every turn.
Our support extends beyond settlement. We continue offering coaching, loan reviews, and refinancing advice to help you adapt to life changes, reduce debt faster, and leverage your home as a financial asset for future goals.
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.
