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What is the Zero Debt Club?

This user-friendly, cost-effective program (no cost to the Clients) allows brokers to provide credit guidance and education, backed by personalized coaching, to help clients break free from financial constraints.

Through five key components that work in harmony with the program, this product ensures that clients receive the education, support, and strategies they need to pay off their debt earlier or at the very least help clients in an educative manner achieve their goals. It all begins with your Certified Credit Coach who will combine the key components and help you with your individual Home Loan.

  • Your Certified Credit Coach
  • Goal Setting
  • Your Debt Deletion Strategies
  • Your Disaster Plan
  • YOUR HOME LOAN
Apply Now Via the Portal

This program is now fully approved and recognized by a Peak Body of the Mortgage Broking Industry the Mortgage and Finance Broking Association of Australia (MFAA)

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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

How do I get myself a Certified Credit Coach?

It is very easy – login to the Portal and follow the ‘Join the Zero Debt Club’ steps.
Alternatively, fill out our contact form to ask for a call back.

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Does the Zero Credit club or the Certified Credit Coach Cost Anything?

The idea of the Zero Debt Club is to ensure that you are given the tools and guidance you need to be informed enough to be able to make the most of your home loan. We as Mortgage Brokers through the Zero Debt Club are trained in maximising your education and understanding of debt and loans. We as a certified Credit Coach will get paid by the lender should you choose the recommended home loan.

Apply Now Via the Portal

What are the Guarantees of the Zero Debt Club?

The Certified Credit Coach will guarantee the following:

To check in with you for a home loan check-up Annually and to ensure one month after settlement all is in place to help achieve your goals.

To make sure you without doubt understand the two foundation beliefs of the Zero Debt Club

They will ensure you are guided through the disaster plan

Benefits to YOU our client

This innovative solution is the ultimate game-changer for all clients who embrace the phenomenon of amortisation and the recommended debt deletion strategies that are tailored of each individual client.

  • Debt Elimination: With expert coaching and actionable strategies, clients can reduce or eliminate their debt faster than they thought possible.
  • Financial Freedom: This program helps clients take control of their home loan by , providing you with the tools to manage credit effectively and sustainably.
  • Education & Support: You will receive ongoing credit education and personalized guidance, ensuring you stay on track and continue to make progress towards their financial goals.
  • Life-Changing Impact: The Zero Debt Club is more than just a product; it’s a movement that enhances lives, strengthens families, and empowers individuals to break free from the burden of debt.
Apple now via the Portal

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.
Pauline Ryan

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.”

The Zero Debt Club: Setting a New Standard

With a legacy of leadership and a vision for the future, Pauline Ryan continues to shape the industry—not just through words or accolades, but with actionable, lasting change. The Zero Debt Club is her next chapter—and it’s one that could redefine the mortgage landscape for generations to come.

More than just a product, The Zero Debt Club is a new philosophy in home loan lending. Developed by Pauline, it integrates key financial concepts aligned with industry best practices—offering a smarter, more sustainable path to homeownership. It’s not just about borrowing money. It’s about building financial resilience, reducing debt strategically, and empowering brokers and clients alike with tools for long-term success.

Apply Now Via the Portal

Contact info

Phone: 1300 LOANWORX (1300 562 696)
Email: admin@loanworx.com.au
Our Office: Level 15/412 St Kilda Rd, Melbourne VIC 3004

Compliance info

Loanworx Group Pty Ltd as trustee for Loanworx Group Trust and brokers representing it, are credit Representatives of Rymark Industries Pty Ltd (Australian Credit Licence number 495267). Please note, we adopt best practice regarding Australia’s privacy legislation. Your contact information will be collected by us and by our aggregator, and its subsidiaries and related businesses. We use this information to stay in contact and provide our services to you, and we may also use your information to offer or provide you with additional products or services or ask for your feedback. We may not be able to assist you if we do not have your current contact information. We may need to disclose your information to our associates, contractors, and service providers, who may be overseas. Our Privacy Policy available at www.loanworx.com.au contains information about how you can access your personal information and request corrections or complain if you are dissatisfied with how we have dealt with your personal information.

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