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The average Australian mortgage takes 30 years to pay off. Yours doesn't have to.
Mortgage Breaker is powered by Crown Money — Australia's mortgage-reduction specialists since 2004. We help everyday families pay off their home loan in under 15 years, on the income they already earn, without giving up their lifestyle.
Free · No obligation · Takes 30 seconds to request
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Our results speak for themselves. Here's how Crown Money clients compare to the national average.
$29,327
Average mortgage reduction per year
vs $12,000 national average
24%
Average savings rate
vs 3.7% national average
< 15 years
Mortgage paid off in
vs a standard 30-year term
Data source: Crown Money internal audit (2026). Average performance of active Crown Money clients following the proprietary debt reduction system.
Think about it: the day your loan settled, everyone got paid — the bank, the broker, the agent. Then they all moved on, and you were left alone with three decades of repayments. Most of your repayment in the early years isn't even touching your loan — it's interest, flowing straight to the bank. That's not an accident. That's the system working exactly as designed.
The mortgage industry
Mortgage Breaker × Crown Money
Drag the sliders to match your loan. The numbers update instantly.
Interest you could save
$0
Debt-free sooner by
0 years
Estimate compares your current loan term with paying it off in half the time — Crown Money clients pay off their mortgage in up to half the time. General estimate only, not financial advice; your assessment maps your actual numbers.
No jargon, no judgement, no "just earn more." A clear plan built on the income you already have.
A financial strategist looks at your loan, income and spending — then shows you, in real numbers, how fast you could be mortgage-free. Most people are shocked by the answer.
We build your plan using Crown Money's proprietary Home Ownership Programme and cash-diet system — attacking the principal of your loan while you keep living your life.
We don't set and forget. Your coach works with you monthly, and your live wealth-tracking dashboard shows your progress — right down to the day you'll be mortgage-free.
Founded in 2004 by Scott Parry on a simple belief: banks shouldn't keep you in debt. Scott saw that banks are designed to hold people in debt for as long as possible to maximise interest — so he built a system that does the opposite. Two decades on, Crown Money has helped thousands of families save millions in interest and shave decades off their mortgages.
A 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.
We don't just set it and forget it. Our coaches work with you monthly to ensure you're hitting your goals and staying on track.
Access our wealth-tracking dashboard to see your progress in real time. Know exactly when you'll be mortgage-free.
Award-winning, year after year
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“When I joined Crown I paid off in my first year as much as I had in the previous 3 years!”— Natalie, Crown Money client
“The programme has taught us to think about what is really important for the family.”
Daniel & Carla
On track to save 10 years of repayments · 28% savings rate
“The process is so simple and has given me far more discipline and accountability for my expenses. Results have surpassed any of my wildest expectations.”
Michael
On track for an 8-year payoff
“After making a massive dent in our home loan this past year, we are now planning our first family overseas holiday — all thanks to Crown Money.”
Giovanni & Sarah
12 years cut off their loan
“Previously we were on track to pay our mortgage off in another 20 years, but now it's looking like we could get it done in 3!”
Melanie & Jeffrey
Game-changer in 12 months · investment property purchased
“I was amazed how the programme made me so disciplined and allowed me to actually enjoy life.”
Natalie
Paid off 3× faster · debt-free in the next few years
“Scott's guidance and advice has helped us progress to an amazing financial position where we are getting close to paying off our house mortgage.”
Jemima & Brad
Approaching total financial freedom
Fair question — the mortgage industry has earned your scepticism. But we're the opposite of a loan pitch: our entire model is built around getting you out of debt faster, not into more of it. Crown Money has been doing exactly that since 2004, and on average a client becomes 100% debt-free every 23 days. The assessment shows you your own numbers — you decide what they're worth.
No. The Home Ownership Programme and cash-diet system are built around using your existing income more effectively — attacking the principal of your mortgage while you maintain your lifestyle. Clients average a 24% savings rate against a 3.7% national average, on the same income they had before.
A low rate is good — but a rate alone has never paid off a mortgage early. The structure of your loan and the strategy behind your repayments are what actually save you interest and years. That's why our approach is strategy first, rate second.
Every family's numbers are different — that's exactly what the free assessment is for. Single income, big loan, young kids, close to retirement: the strategists have seen it all over 20+ years. You'll see what's possible for your loan before you commit to anything.
Nothing. It's free, there's no obligation, and it takes 30 seconds to request. Worst case, you walk away knowing exactly where your mortgage stands. Best case, you find a path to being mortgage-free decades early.
Requesting the assessment takes 30 seconds, and the session itself fits around your schedule — you pick the time. Compare that with the 15 extra years the bank's default plan asks of you.
Book your free payoff assessment with a Crown Money financial strategist. In one session, you'll get:
Free · No obligation · No pressure — just your numbers.
Prefer to talk now? Call 1300 882 981
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