How Crown Money Uses the 'Money Smart GPS' System to Help Clients Pay Off Their Home Loans Sooner

In today’s financial climate, owning a home outright is a dream that feels further away for many Australians. With property prices rising and interest rate uncertainty, homeowners are looking for smart strategies to get ahead on their mortgages. One company that’s standing out in this space is Crown Money Management, thanks to their powerful and easy-to-follow system called the Money Smart GPS.

This system is transforming the way people think about home loans, helping thousands of Australians shave years off their mortgage and potentially save hundreds of thousands in interest. But how exactly does it work—and why is it so effective?

Let’s break down what makes the Money Smart GPS such a game-changer.

What Is Crown Money?

First, it helps to understand the company behind the method.

Crown Money Management is a financial services company founded in 2004. Their core mission? To help everyday Australians take control of their finances and get debt-free faster, without sacrificing their lifestyle. They’re not your typical mortgage broker or finance adviser. Instead, they provide a complete money management system that acts more like a financial coach—teaching, guiding, and holding clients accountable along their financial journey.

They offer tailored financial coaching, budgeting support, and most notably, their signature Money Smart GPS system.

The Problem with Traditional Home Loans

Before we get into the system itself, let’s look at the problem it solves.

Most Australians get a home loan, commit to a 30-year term, and make the minimum monthly repayments. That’s the standard approach. But here’s the thing: if you only pay the minimum on a 30-year mortgage, you’ll end up paying nearly the same amount (or more) in interest as you do on the house itself.

For example, on a $600,000 home loan with a 6% interest rate, a borrower can expect to pay over $695,000 in interest across 30 years. That’s more than the value of the home itself!

Worse still, many homeowners don’t track their spending, don’t make extra payments, and don’t understand how small changes can make a big long-term impact.

That’s where the Money Smart GPS comes in.

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What Is the Money Smart GPS?

The Money Smart GPS is a guided financial system designed by Crown Money to help people get in control, reduce debt, and pay off their home loans faster. Think of it as a financial roadmap, combined with a GPS that adjusts along the way.

Rather than relying on guesswork, Crown’s system uses real data from your income, spending habits, and financial goals to create a live, strategic plan that works day by day. It’s not a one-size-fits-all budget. It’s a dynamic, personalised plan with accountability built in.

Here’s how it works.

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Key Components of the Money Smart GPS

1. Budgeting and Cash Flow Management

One of the biggest mistakes homeowners make is not knowing where their money goes. The GPS system solves this by building a realistic, tailored budget based on your lifestyle, income, and goals.

But unlike most budgets, which feel restrictive or hard to stick with, the GPS includes:

• Daily account tracking – all your spending is monitored in real time.

• Categorised expenses – you’ll know exactly what you spend on groceries, bills, entertainment, etc.

• Cash flow alerts – notifications when you’re off track.

• Adjustments in real time – just like a real GPS, it recalculates and adapts if something changes.

This gives clients total clarity on what they can spend without falling behind.

2. Dedicated Mortgage Offset Account

Crown Money sets up a specific offset account that’s central to the system. This is where your salary is deposited and all your transactions are tracked. Since the offset account is linked to your mortgage, every dollar in that account reduces the interest charged on your loan.

Let’s say you have $10,000 in your offset account. That’s $10,000 less that the bank can charge interest on. Over time, this can cut down your interest significantly.

But Crown takes this a step further. They automate the system so that your money is always working harder for you, not sitting idle or going toward non-essential expenses.

3. Regular Reviews and Coaching

Financial success doesn’t come from a set-and-forget plan. The Money Smart GPS includes ongoing coaching and monthly check-ins. Clients meet with their financial coach regularly to:

• Review progress.

• Make plan adjustments.

• Identify opportunities to save more or earn more.

• Stay motivated and on track.

This kind of accountability is key—and it’s something traditional banks simply don’t offer.

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The Results Speak for Themselves

The impact of the Money Smart GPS is powerful.

According to Crown Money's data:

✅ Clients pay off their home loans in an average of 10 to 12 years instead of 30.

✅ They also save between $100,000 to $300,000 in interest, depending on the loan size and lifestyle.

That’s life-changing.

Crown even offers a bold promise: if you follow the system and don't reduce your debt in the first year, they’ll refund their fee.

That’s confidence backed by real results.

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Real-Life Example: Meet Sarah and James

Let’s take a fictional but typical example.

Sarah and James, a couple in their 30s with two kids, bought a home in Melbourne for $700,000. They took out a loan of $560,000 over 30 years. Like most people, they made minimum repayments and tried to “budget” on their own.

After 3 years, they realised they hadn’t made much of a dent in their principal—most payments were just covering interest.

They joined Crown Money’s program, and within the first 12 months:

• They cut down $22,000 in non-essential spending.

• They added $1,000/month in extra repayments without changing their lifestyle.

• Their offset account averaged $15,000, saving them thousands in interest.

They’re now on track to own their home in just 11 years, saving over $220,000 in interest.

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Technology Meets Human Support

Another reason the Money Smart GPS is so effective is the combination of automation and human coaching.

The platform uses real-time technology to track and adjust your financial plan, but there’s always a real person you can speak to. You’re never left to navigate things alone. And for people who feel overwhelmed by money talk or don’t know where to start, that’s incredibly reassuring.

Plus, everything is visible on your client dashboard—you can log in, see where you stand, and even compare your progress to your goals.

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Where You Can Learn More

Want to see how the system works in more detail?

You can visit Crown Money’s official page for the Money Smart GPS to explore how the system is structured and what’s included.

For people who are ready to take action, the team offers a free initial consultation—no pressure, just a chat to see what’s possible.

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Why It Works

Let’s recap why the Money Smart GPS is so effective:

• It’s personalised – no generic advice or cookie-cutter plans.

• It’s dynamic – just like a real GPS, it adjusts in real time.

• It creates discipline without sacrifice – clients live well, not frugally.

• It builds momentum – with every dollar working harder, every month builds on the last.

• It keeps people accountable – regular check-ins, tracking tools, and financial coaches help clients stay motivated.

This is a system that changes habits, not just numbers. And once those habits are locked in, paying off your home loan becomes not just faster—but easier.

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Final Thoughts

Paying off your mortgage is one of the biggest financial achievements of your life. But it doesn’t have to take 30 years or cost you double in interest. With Crown Money’s Money Smart GPS, Australians are discovering a smarter, faster way to reach financial freedom.

It’s not about working harder or earning more—it’s about managing smarter.

If you’re ready to ditch the stress, get in control, and finally make progress on your home loan, Crown Money’s Money Smart GPS might be exactly what you’ve been looking for.