Buying your first home or your next? We’ll help you secure the right loan structure from day one, designed to reduce interest, grow equity, and get you mortgage-free sooner.
Our service starts with understanding your unique financial situation and property goals. Whether you are a first-time buyer or an experienced investor, we tailor loan solutions that align with your lifestyle and long-term wealth objectives. By structuring your mortgage intelligently from the outset, you minimize unnecessary interest payments and maximize opportunities to build equity quickly.
Navigating the property purchase process can be complex, but with our expert team by your side, you gain clarity and confidence. We assist in selecting the right loan type, negotiating favorable terms, and advising on government incentives and grants available in South Australia. From pre-approval through to settlement, we ensure you stay informed and empowered to make the best decisions.
Using advanced mortgage management tools, we track your loan progress, helping you understand how each repayment impacts your overall financial health. We provide ongoing coaching and reviews so that as your circumstances evolve, your loan structure adapts to keep you on track to becoming mortgage-free faster.
Our approach goes beyond just securing a loan. We focus on helping you leverage your property purchase as a foundational step toward long-term wealth creation. By optimizing your loan structure and repayments, you free up savings to invest, diversify your portfolio, or accelerate other financial 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.
