Keeping up, but not getting ahead?
The 90-Day Reset gives you a realistic budget and a clear plan, so in 90 days you're in a stronger position to apply for a loan.
Free Zoom chat. No cost, no pressure.
Is this you?
- You're working and earning a steady income
- You're making your minimum repayments, but there's nothing left over
- You've got credit cards, personal loans or buy now pay later adding up
- A lender has said no, or you're worried they will
- You want to consolidate your debts, buy a home or start saving, but don't know where to start
If that sounds like you, the 90-Day Reset is designed to help you get on top of things before you apply for a loan.
What's included
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Free discovery chat
A 30-minute Zoom chat to understand your situation and goals, and check the program is right for you.
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A full review
We go through your last 3 months of bank statements and your credit file, the same way a lender would.
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Your written Reset Plan
Delivered within 5 days, with a realistic budget based on your actual spending, a suggested order for paying down your debts, and simple steps to improve how your accounts look to a lender.
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Plan walkthrough
A 30-minute Zoom call where we go through your plan together and answer your questions.
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Monthly check-ins
A monthly SMS to keep you on track, plus optional email tips.
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Day 90 review
We look at fresh statements and your credit file to see how far you've come and talk about your next steps.
How it works
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Step 1: Book a free chat
Pick a time that suits you. We'll meet on Zoom.
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Step 2: We review
If the program is right for you and you decide to go ahead, we review your bank statements and credit file.
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Step 3: You get your plan
Within 5 days, we walk you through your budget and plan, step by step.
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Step 4: You follow it for 90 days
We check in each month, then review your progress at day 90.
What it costs
$595
One fixed fee (incl. GST), paid by invoice once you decide to go ahead. Your first chat is always free, and there's no obligation.
You can cancel within 24 hours of paying for a full refund. If we find during the program that you're in financial hardship, we'll refer you to free support and refund your fee in full.
Good to know
- This is a budgeting and loan-readiness program. It is not credit repair, debt negotiation, financial counselling or financial advice.
- We don't contact or negotiate with your creditors, and we don't dispute or change listings on your credit file.
- We don't recommend any loan during the 90 days.
- We can't guarantee you'll be approved for a loan or that your credit score will change. That's always up to the lender.
- You're never obliged to use us for a future loan. If you'd like our help with a loan after the 90 days, that's a separate service where we'll act in your best interests and explain any commission we receive.
FAQ
Who will I be speaking with?
Aleisha Molyneux, a finance broker with True North Mortgage Brokers. Aleisha works with you one on one from start to finish.
Why do we meet on Zoom with photo ID?
At the start of your first chat, we'll ask you to show your photo ID on camera. This helps us confirm we're speaking with you and protects you from fraud.
How do you access my bank statements and credit file?
Only after you've agreed to our terms, given your consent and the 24-hour cooling-off period has ended. Bank statements are accessed securely through illion, a trusted service used by lenders across Australia.
How quickly will I get my plan?
Within 5 days after the 24-hour cooling-off period ends, as long as you've completed the secure bank statement link and shown us your photo ID.
What do I need to do during the 90 days?
Follow your plan, keep up your repayments, and tell us if anything changes. Your results depend on the steps you take, and we'll be checking in to help you stay on track.
Do I have to get a loan through you at the end?
No. You're free to use any broker or lender, or none at all.
What if I change my mind?
You can cancel within 24 hours of paying for a full refund, and we won't start any work until that time has passed. After that, the fee isn't refundable if you change your mind. If we find you're in financial hardship, or the program isn't suitable for you, we'll refund your fee in full. Your rights under the Australian Consumer Law always apply.
Is my information kept private?
Yes. Your information is confidential and handled under the Privacy Act 1988 and our privacy policy.
Book your free chat
Choose a time below. Please join on Zoom with your camera on and have your driver's licence or passport ready.
The 90-Day Reset is a budgeting and loan-readiness service. It is general information only and does not take into account your full objectives, financial situation or needs. It is not credit repair, debt negotiation, financial counselling or financial product advice. Any future credit is subject to lender assessment and approval.