The Zero Debt Club

A new way to manage your home loan, delete debt faster and move towards a zero-debt life.

The Zero Debt Club by Loanworx is a groundbreaking education and strategy program designed to help Australians take control of their finances, pay off their home loans faster, and achieve lasting financial freedom.

In a world where people are often left to figure out home loans, debt and money on their own, The Zero Debt Club blends education, guidance and personalised strategies – so you’re not doing it alone.

What is the Zero Debt Club?

The Zero Debt Club is a simple, structured way to work towards a zero-debt home loan. Instead of leaving your mortgage on “set and forget” for 25–30 years, this program helps you:

understand how your loan really works
use debt-deletion strategies that suit your situation
build a safety plan for life’s surprises
move step-by-step towards a life with less debt and more freedom.

There is no program fee for you – if you choose to go ahead with a home loan through one of our Certified Credit Coaches from Loanworx, this new initiative is complimentary for you as a valued client. We get paid by the lender should you proceed with a recommended loan.

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How the Zero Debt approach works

The Zero Debt Club brings together five key components that work in harmony around your home loan.

Your Certified Credit Coach:  A professional Credit Coach who is trained and certified in all aspects of the Zero Debt Club and is responsible for educating their clients in all aspects of Credit.
Goal Setting : You set clear goals for your home loan and your life – such as bringing your debt-free date forward, building a safety buffer, or freeing up cashflow for the future.
Your Debt-Deletion Strategies : Practical tactics tailored to you, such as repayment structuring, offset and redraw strategies, reviewing rates and products, and using lump sums wisely.
Your Disaster Plan:  A safety plan for when things change – interest rate rises, job changes, illness or other unexpected events – so your home loan stays manageable and minimises your stress.
Your Home Loan : Everything connects back to your actual mortgage. The structure, the features and the way you use it are all aligned to your zero-debt goals, not just the bank’s default settings.

See how the Zero Debt approach could work for you

Our Certified Credit Coach Register

Behind The Zero Debt Club is a team with over 100 years of combined experience in tailoring home-loan solutions.

These specialists appear on the Certified Credit Coach Register because they have completed the Zero Debt Club training program along with the assessments.They provide:

personal support with regular check-ins
guidance on budgeting and debt-deletion strategies
assistance with goal setting and disaster-plan buffers
education so you can make confident decisions.

Why do I need a Certified Credit Coach?

Loanworx Certified Credit Coach will be trained and certified in all aspects of the Zero Debt Club and in turn they will be responsible for educating their clients in all aspects of Credit. They will help their clients’ set goals and implement a plan for their home loan.

The Certified Credit Coach will be formally assessed and accredited – Below is an overview of their role and of the required skills sets combined with a formal assessment resulting in the Credit Coach being recognized and certified to be able to facilitate the Credit Coaching.

There are 4 Key areas that are mandatory for the Certified Credit Coach

Eligibility Criteria to become a Certified Credit Coach

Mortgage Brokers must be members under the Loanworx Group Agreement, and they can be either Branded Loanworx Brokers or Non-Branded Brokers. The Certified Credit Coach will remain on a Certified Credit Coach Register.

The Mortgage Broker must be passionate about debt deletion strategies and be familiar and conversant with all of the required legislation that impacts the Mortgage Broker and in particular the BID legislation of 2021 which emphasises the educative component for Mortgage Brokers.

Understanding the Product – Training and Assessment

The Certified Credit Coach must have a thorough understanding of all of the components of the product and will complete the online Assessments to verify their understanding of the Product.

Certification of the Credit Coach

Once the Credit Coach has met with the eligibility criteria, completed the training, completed the assessments the Credit Coach will then become a Certified Credit Coach which enables the Credit Coach to:

Display the Certified Credit Coach Badge on their email signature
Remain on the Certified Credit Coach Register
Advertise their Certified Credit Coach Status – as an individual Mortgage Broker

Contact a Certified Credit Coach today.

Enquire now via our Contact Form to ask for a call back.

Enquire About Our Credit Coaches Now

Pricing – what does it cost?

The Zero Debt Club is designed so that you don’t pay a program fee. You receive education, guidance and a personalised home-loan strategy.

If you choose to proceed with a recommended home loan, the lender pays the brokerage fee, which is how mortgage broking normally works in Australia.

There are no hidden Zero Debt Club charges.

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Guarantees of the Zero Debt Club

When you take part in The Zero Debt Club, your Certified Credit Coach will:

Check in with you for a home-loan review every year, and one month after settlement, to make sure everything is working as planned.

Make sure you clearly understand the two foundation beliefs of The Zero Debt Club – how debt really works and how small changes compound over time.

Guide you through your disaster plan, so you know what to do if life changes and you need to adjust.

Benefits to YOU our client

This program is built for individuals who want more than just a loan approval – they want a path to zero debt.

Delete debt faster.  By understanding amortisation and using tailored repayment strategies, it’s possible to shave years off a home loan and reduce the total interest paid by tens if not hundreds of thousands of dollars.
Feel secure and supported.  You’re not guessing: you have a specially trained Credit Coach to talk to, regular check-ins and a clear plan for what happens if circumstances change.
Learn as you go.  You gain knowledge about how money and debt work, so every decision becomes easier and more confident.
Create life changing financial freedom. Less debt over time means more freedom – for family, lifestyle, investing or simply breathing room.

Start your Zero Debt plan

Pauline Ryan:
The Visionary Behind the Zero Debt Club

A Trailblazer. An Educator. A Game-Changer.

Pauline Ryan, CEO and Director of Loanworx, is one of the most influential figures in Australia’s Mortgage Broking industry. Renowned for her leadership, innovation, and dedication to professional development, Pauline has consistently set the benchmark for excellence. With a legacy that spans across education, mentorship, and industry reform, she is now leading a bold new movement—The Zero Debt Club—poised to transform the landscape of home lending.

Before breaking ground in the finance sector, Pauline began her career as a passionate schoolteacher. This foundation in education became her superpower, allowing her to merge pedagogical expertise with sharp business acumen — ultimately shaping her into one of the industry’s most respected mentors and entrepreneurs.

Her contributions have been profound:

2008 – Inducted into the AFG Hall of Fame, honouring her lasting impact on mortgage broking.
2009 – Authored the Certificate IV and Diploma in Mortgage Broking, launching her own Registered Training Organisation (RTO).
2022 – Founded the Mr Mentor Program, a national initiative designed to nurture new industry entrants. Re-engineered the internal structure of the Loanworx Group, strengthening its position and growth trajectory. Awarded Mentor of the Year at the Australian Broking Awards (National).
2023 – Developed and launched the advanced “Train the Mentor” program. Successfully sold the Mr Mentor business, paving the way for a new chapter.
2024 – Re-engaged with her national network of 45 Credit Representatives and began crafting her most ambitious vision yet: The Zero Debt Club.
2025 – Officially launches The Zero Debt Club to the Australian Mortgage Broking Industry.

A Message from Pauline Ryan:

“I am an expert in the Mortgage and Finance Industry, and my passion lies in helping individuals who are driven to succeed as Mortgage Brokers. The Zero Debt Club is more than a product—it’s a movement. It represents the future of lending and financial well being. My mission is to see it become the go-to solution in our great industry.”

A movement, not just a mortgage product

The Zero Debt Club is positioned not as “just another mortgage product”, but as a national movement to change the way Australians think about debt.

The goal is simple: Help families own their homes sooner, with less stress and more control.

By blending education, support and personalised debt-deletion strategies, The Zero Debt Club aims to create a nation of financially free homeowners.

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Frequently Asked Questions

1. Who is the Zero Debt Club for?

The Zero Debt Club is for individuals with home loans who want to reduce debt faster, understand how their mortgage really works and feel more in control of their finances.

2. Do I have to refinance my home loan to take part?

Not always. The first step is to review your current loan and strategy. If your existing loan can support your zero-debt goals, we’ll show you how to use it better. If there’s a better option available (and is most cases there is due to our extensive range of lenders and loans), we’ll explain the pros and cons of refinancing.

Are you a mortgage broker who wants to deliver The Zero Debt Club to your clients?

Learn more about becoming a Certified Credit Coach.

Book your Information session

The Zero Debt Club

A new way to manage your home loan, delete debt faster and move towards a zero-debt life.

What is the Zero Debt Club?

How the Zero Debt approach works

Our Certified Credit Coach Register

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