$997 value · No card needed · Instant access

MORTGAGE ENGINEERING

by Crown Money

Free for a limited time · $997 value

Pay off your mortgage in half the time.

How AI and the Crown Money system find the money, automate the payoff and save you tens of thousands in interest — so you own your home in half the time, or less.

Get the book + toolkit — FREE

No card · Instant access · or run your numbers first ↓

Mortgage Engineering eBook cover — Pay Off Your Mortgage in Half the Time

68 pages · 18 chapters · worksheets · 6 AI tools included

+$500/mo

Saves $218,303 in interest on a typical loan*

+$2,000/mo

Turns a 30-year loan into 13½ years*

½ the time

Or less — a real client's payoff story is the proof inside

$50M+

Interest Crown Money saves clients every year

*On the book's $650,000 worked example at 6.00% p.a. — full maths inside.

Crown Money — as featured in

Media features relate to Crown Money, the mortgage broking partner behind this program.

The proof · a true story

From “normal” to mortgage-free in five moves

Every number in the book is real or modelled with transparent, checkable maths — the honest version, including what it actually took.

The purchase

$325,000 property, $260,000 loan. An ordinary first home in an ordinary suburb.

Value rises

The bank approves a $105,000 equity redraw. Total owing: $365,000 — plus 30 years of interest to come.

The statement

One year of repayments, barely a dent. The spreadsheet says ~$422,809 of interest is coming. The rebuild begins.

The system

Five pillars deployed: AI audit, zero-touch automation, expense engineering, restructure, income expansion.

The payoff

Balance $0.00 — decades ahead of schedule, in far less than half the term. The house — worth $900,000 today — is 100% theirs.

“The bank had engineered the loan to maximise interest.
So we engineered our lives to minimise it.”

The maths the bank never prints in bold

Same loan. Same rate. Wildly different outcome.

A $650,000 loan at 6.00% p.a. — the book's worked example, computed with real amortisation maths.

The bank's 30-year plan$752,948 interest

Mortgage Engineering — under 5 years$104,996 interest

The difference — $647,952 — is money that simply stays yours. Part V of the book shows what happens when it, and the repayment habit itself, get redirected into assets.

Free calculator · every loan is different

Run your numbers. Right now.

This is the maths the whole program runs on. Whatever your loan size, rate or income — see what an engineered surplus does to it.

Your loan balance$650,000

Your interest rate6.00% p.a.

Extra you could put in each month$500/mo

Assumes principal-and-interest repayments at a constant rate over a 30-year term, interest compounding monthly. General information only — not personal advice or a quote.

Debt-free

7 yrs 6 mths

sooner

Interest kept

$218,303

stays in your pocket

30 yrs → 22 yrs 6 mths · interest $752,948 → $534,645

Show me how to find that $500/mo — FREE

The program's AI audit finds the surplus. The automation makes it stick. Or let Crown Money do it with you →

What the program does at different loan sizes

The first home

$450,000

loan · +$400/mo engineered

8 yrs 4 mths sooner

$166,486 kept

The typical loan

$650,000

loan · +$1,000/mo engineered

11 yrs 9 mths sooner

$333,073 kept

The family upgrade

$850,000

loan · +$2,000/mo engineered

14 yrs 8 mths sooner

$534,799 kept

The big-city mortgage

$1,200,000

loan · +$3,500/mo engineered

16 yrs 2 mths sooner

$824,630 kept

All scenarios at 6.00% p.a. over a 30-year term, computed with the same amortisation maths as the book. Your rate and results will differ — that's what the calculator above is for.

The system

Five pillars. One repeatable machine.

Each pillar removes a human failure mode — forgetting, rationalising, procrastinating — and replaces it with software or structure.

PILLAR 01

AI-Powered Money Auditing

Software classifies every transaction into Need, Want or Leak — the model household found $1,201/month of pure leak in eleven minutes.

PILLAR 02

Zero-Touch Automation

Income lands in the offset hub, bills pay themselves, and every surplus dollar sweeps into the loan every Friday. Willpower not required.

PILLAR 03

Expense Engineering

Not frugality — redesigned defaults. $2,450/month reclaimed without friends noticing anything changed.

PILLAR 04

Risk & Structure

Credit limits capped, insurance bloat cut, the lender audited monthly and the rate reviewed yearly.

PILLAR 05

Income Expansion

AI-leveraged side income plus the built-in referral program — every extra dollar routed 100% to the loan. The difference between fast and 4 years 11 months.

PLUS · LIFE ENGINEERING

The habits that fund the machine

Negotiate everything, engineer food & health, defeat impulse spending, holiday guilt-free, and measure what matters — five extra chapters most money books never touch.

Free with the book · 12 months included

Six AI tools do the work for you

The book teaches the method. The tools run it — no spreadsheets, no bank logins. Free for your first 12 months (a $197/year value), optional after that.

◈

AI Expense Sorter

Upload bank CSVs → every transaction sorted into Need / Want / Leak with a ranked deletion list.

◎

Leak-Detection Engine

Monthly scan for new subscriptions, price creep, double-billing. A one-page kill list, emailed.

⚖

Lender Interest Auditor

Recomputes your daily interest to the cent and flags any variance in what the bank charged.

⚙

Automation Blueprint

Bank-by-bank build guide for the offset hub, bills account, living allowance and Friday sweep.

❋

AI Meal Optimiser

Weekly menus for any diet, one consolidated shopping list, a 90-minute Sunday prep plan.

▤

Payoff Dashboard

Your live balance-vs-plan line, the nightly interest meter, surplus ratio and debt-free date.

Privacy by design: tools process statement exports in-session and store no transaction data. Nothing ever connects to your bank.

Preview the toolkit (the calculator is free) →

The honest chapter

Works at your income, not just theirs

On the book's $650,000 worked example — every extra dollar compounds, and the book shows you where to find yours.

Engineered surplus	Loan gone in	Interest saved
+$500/mo	22 yrs 6 mo	$218,303
+$1,000/mo	18 yrs 3 mo	$333,073
+$2,000/mo	13 yrs 5 mo	$455,872
+$5,000/mo	7 yrs 8 mo	$592,030
+$8,000/mo	5 yrs 4 mo	$641,848

Part V of the book · the part nobody teaches

The mortgage is step one. Wealth is the point.

Killing the loan builds a powerful engine: a proven monthly surplus and an automation system. The book's final chapters show what that engine can do — before and after the loan is gone.

Before payoff · Debt recycling (Australia)

Turn dead debt into working debt

Australian tax law treats interest very differently depending on why you borrowed: interest on your own home isn't tax-deductible, but interest on money borrowed to invest in income-producing assets generally is. Debt recycling uses your payoff momentum to legally convert one into the other — without increasing what you owe.

1. Split — carve a small sub-loan (say $50,000) off the mortgage.
2. Smash — aim your engineered surplus at the split until it's near zero.
3. Redraw & invest — borrow it back for income-producing assets (e.g. diversified ETFs). That interest is now generally deductible.
4. Repeat — each cycle converts more of the loan and grows the portfolio, at the same total debt.

You arrive at “mortgage zero” already holding a portfolio that started compounding years earlier. Chapter 17 covers the mechanics, the account hygiene, and exactly when not to do this.

After payoff · The passive-income plan

Don't stop the habit. Redirect it.

The morning after the final repayment, you own two assets: a paid-off home, and a proven monthly surplus with nowhere to go. The same Friday automation that killed the loan simply gets a new destination — a brokerage account instead of a bank. You now “pay a mortgage” to your future self.

$2.08M

Portfolio after 10 years of the redirected habit*

$83,000

Sustainable annual income at a 4% drawdown*

Under 15 yrs

Mortgage + first $2M, from the day the plan starts*

The interest you never paid — $647,952 on the worked example— plus the repayment habit itself becomes the deposit on your financial independence: emergency buffer, automated index investing, superannuation top-ups, and a clear “work becomes optional” number. Chapter 18 lays out the whole machine.

*Modelled at $12,000/month invested at 7% p.a. (long-run diversified return, before fees and tax); a 4% drawdown is a planning rule of thumb, not a guarantee. Debt recycling adds investment risk secured against your home and depends on your tax position — the book treats both strategies as education, and both require advice from a licensed financial adviser and tax agent before acting.

Earn while you pay it off

Get paid to help friends escape their mortgage

The book is free — the easiest share you'll ever make. And you earn $1,000 every time someone you refer becomes a successful Crown Money client — extra money to sweep straight into your own loan.

See the referral program →

Proof, not promises

Trusted by Australians who wanted their homes back

Awards, live Google reviews and real client stories from Crown Money — the award-winning brokerage behind this program's lending expertise.

Better Business Awards 2026 Winner — SA Best Customer Service (Office)

Better Business Awards 2025 Winner — SA/NT Best Boutique Non-Franchise Office

Better Business Awards 2023 Winner — SA Best Boutique Independent Office

FBAA Finance Broker of the Year 2022 (SA) — Winner

Better Business Awards 2022 Winner — SA Best Independent Office

FBAA Finance Broker of the Year 2021 — Winner

Better Business Awards 2021 Winner — SA Best Independent Office

Finsure Broker of the Year 2020 — Winner

Eight-time award-winning brokerage — including FBAA Finance Broker of the Year and Better Business Awards Best Office, 2020–2026.

Client stories, in their own words

Real Crown Money clients on paying off their homes — tap to play (sound on).

“$320,000 in 4 years”

Linda Taylor — debt free

The Monaghans — debt free

Marcus & Taryn Burdett

Dominic & Elisabeth Lobosso

Stephen & Lynda Milde

Peter & Karina

Chris Battistuzzi

Ryan Hillman

The McColleys

Sheena

Ella

Graham

Steve

Crown Money clients

Live Google reviews

Two ways to run the program

Do it yourself — or do it with Crown Money beside you

Mortgage Engineering is built by Crown Money, the award-winning brokerage that has walked 7,500+ Australian families to a faster payoff. Choose your path.

Self-guided

The program — free

The complete 68-page system + worksheets
6 AI tools free for 12 months
Run it at your own pace, on any lender

Get it free

Hand-held

Crown Money, beside you

Loan structuring & offset architecture, set up for you
Annual rate reviews — the loyalty tax, gone
A real human walking you to the final payment

Talk to Crown Money — free →

7,500+

Hardworking Australian families helped to pay off their home loans sooner

Every 23 days

Crown Money calls another client to tell them their mortgage is fully paid off

$50M+

Interest saved for clients every single year

Free for a limited time

The $997 program. Free. Today.

We built Mortgage Engineering to get Australians out of mortgage debt sooner — so for now, the entire program is free. Tell us where you're at, and it's yours in 60 seconds.

Everything included

FREE$997

The complete 68-page Mortgage Engineering program ($497 value)
All 6 AI tools + payoff dashboard, 12 months ($197 value)
The month-by-month payoff plan & worksheets ($199 value)
The Life Engineering chapters ($104 value)
The referral program — earn $1,000 per Crown Money conversion

Why free? Because some readers will want Crown Money beside them — and that's how we keep the lights on. No card. No obligation. Ever.

Where should we send it?

Questions

Asked and answered

+Is this realistic on an average income?

The fastest version of the story took a high surplus — the book says so plainly. But the engine is identical at every scale: an engineered extra $500/month cuts 7½ years and $218,303 of interest from a typical $650,000 loan. Chapter 10 rescales the whole plan to your income.

+Do I need to be technical to use the AI tools?

If you can download a bank statement and upload a file, you're qualified. Every tool is click-through, and the automation blueprint is written bank-by-bank with screenshots.

+Is my banking data safe?

The tools never connect to your bank. You upload statement exports you choose to share, results are generated in-session, and no transaction data is stored.

+Is it really free? What's the catch?

Really free — the full 68-page program, the worksheets, and 12 months of all six AI tools. No card details, no trial that converts. The 'catch' is transparent: Mortgage Engineering is built by Crown Money, and some readers will choose to have Crown Money run the program with them. That's the business. The book is the gift.

+What happens to my details?

We use them to send your book and toolkit access, and Crown Money may contact you about paying your loan off sooner. Your details are never sold, and you can unsubscribe anytime. Loan amount, income and postcode simply help tailor what we send you.

+What happens to the tools after 12 months?

Your first 12 months are free. After that, keeping toolkit access is optional at $197/year (most users save far more than that each year) — the book, worksheets and method are yours forever either way.

+Can I earn money with the program?

Yes — the referral program is built in. The book is free, so it's the easiest share there is: give your personal link to anyone with a mortgage and earn $1,000 for every referral who becomes a successful Crown Money client. You share a link (with the referral disclosed); Crown Money's licensed team handles everything else. Most members sweep the earnings straight into their own loan.

+What does Crown Money have to do with it?

Mortgage Engineering is built by Crown Money — the award-winning Australian brokerage behind the book’s lending expertise. The program stands alone (every strategy works with any lender and any broker, or none), and if you want a professional running it beside you, Crown Money does exactly that: loan structuring, offset setup, rate reviews and hand-holding to the final payment.