Our 12 Step Program


Financialism is a serious debt disease like alcoholism that eats away at your soul.

Our 12 step program will clean up your mortgage repayments to save you money and get your financial health back. Post mortgage recovery you can use our $1,200* holiday voucher to put your feet up and enjoy a cocktail at a destination of your choice!

12 Steps iRates Chart

But wait there’s one more Bonus!

Receive an extra $1,000* holiday voucher for referring a friend or colleague that qualifies for a review. If you keep referring then we’ll keep rewarding… how good is this!

To download a PDF of the iRates 12 Step Program click here.

* For iRates terms & conditions please view our iRates Privacy Policy and credit guide. For Holiday Rewards full terms & conditions click here.