What risks are involved?
We would never suggest there is no risk, however we believe there is more risk in doing nothing than implementing a program. The reason for this is whether the market goes up or down, either way the bank is going to want their money. You are still putting your money into your loan account, but now with a formalised, measurable schedule that provides you with protection and guaranteed results.

Do you offer financial planning?
No we are not financial planners. Financial planners provide a valuable service specialising in superannuation, life insurance and managed funds. We specialise in debt reduction, and provide independent financial support. There are a number of financial planners licensed to distribute our programs to their clients, and we can refer you through this network upon your request. We made a strategic decision in 2006 not to profit from the sale of specific investment vehicles, and protect the integrity of our independent advice for our members.

How much does it cost?
We charge an annual membership fee of $260, and there are individual program costs depending on your requirements. All costs are detailed on our letter of offer, which as a courtesy, includes a 3 day cooling off period.

Are there any hidden costs?
No, all costs are detailed in our service agreement.

Do you offer mortgage broking?
Mortgage broking provides a valuable service to obtain finance. We specialise in programs to eliminate finance. If required, we do offer a mortgage broking service for our members. Members can utilise this service to cross-reference information form their current provider, obtain a second opinion or utilise the full service. This is however completely separate to our debt reduction programs, which does not require refinancing, and is the only program of its kind available in the market.

Do I have to refinance my accounts?
Our programs are designed to complement your current loans, without refinancing. Only in the event there are serious limitations, you may consider making some changes, but this is not required in most cases.

Do you offer investment advice?
Yes, we provide our members with investment advise, particularly in the area of property. Our members have confidence knowing that our advice is completely independent and free from commissions received. We always support our members best financial interests, and provide information not discussed through many seminars.

How do you make money?
We make money from the membership and program fees that you pay us.