Important information before you get started.

Some errors have been found in the information that you have provided. Pleave review the below questions and resolve any errors to continue with the form.

Your Details

Your First Name

Your Last Name

Your Email

Your Phone

Phone number must be 10-digits long and begin with a 0. (e.g. 04 1234 5678)

1.You've got a Duty of Disclosure

Before you enter into an agreement with us, you have a duty to disclose any accurate and relevant information regarding your financial circumstances that may affect the service that you are eligible to enter into.

This may include:

  • Personal information
  • Statements for outstanding secured and unsecured debts
  • Relevant financial statements
  • Evidence of Income
  • Proof of Australian residency status

2.We Take Your Privacy Seriously

At Revive Financial Group, we are committed to protecting your privacy at all times. We are bound by the Privacy Act 1988 (“the Privacy Act”) that outlines how we collect, hold, use and disclose your personal information.

By visiting our website, having a telephone call with our team members or applying for a service, you agree and consent to your personal information being collected, held, used and disclosed as set out in our Privacy Policy.

We take reasonable precautions to secure your personal information and ensure it is protected against unlawful use, unauthorised access, modification and disclosure.

As part of our services to You, our proposed solution may include consideration of refinancing your debts. If that is suggested in our proposed solution we may provide your personal information that you disclose in this online assessment form to our referral partners. We work with a number of referral partners and when you choose to consider the refinance option we will advise you of the name of the referral partner. We may receive a fee from our referral partner for a referral that we make. You will not be charged any referral fees. The amount of the referral fee is unascertainable at this stage and may change based on the commercial arrangements, product class or other features. If you take-out credit that is regulated by the National Credit Code, your credit contract will usually describe the referral fees and commission that will be paid by the lender in relation to your credit contract.

Your Financial Situation

Some errors have been found in the information that you have provided. Pleave review the below questions and resolve any errors to continue with the form.

Your Debts

What kind of debts do you have?

If you were required to provide your Car details to obtain any Personal Loans, please include these loans under Car Loan.


It’s necessary for you to disclose all of your debts including secured and unsecured so that we can determine what the best debt relief solution for you will be.

Best decision I ever made. This was the easiest and best thing I have ever done. I was losing sleep over my finances. I rang and spoke to a real person. No judgements, just helpful assistance.


Did you know?

Under a Debt Management Plan (DMP), there are no restrictions on travel. A DMP allows you to repay your debts affordably and avoid the consequences and restrictions of declaring bankruptcy.


Are you currently up-to-date with your unsecured debt repayments?


Make sure you select all circumstances that apply to your situation.


What circumstances affected your ability to repay your debts on time?

What type of debt assistance are you looking for?

Your Income

Debt resolved! Huge worry resolved in a very short time. Stress was really getting me down. All staff involved were extremely helpful and understanding. Was very surprised at all resolved.


Did you know?

There are a number of benefits a Debt Management Plan (DMP) can provide you with when you’re struggling with debt. It pauses your interest, puts a stop to creditor harassment and allows you to be debt free in as little as 3 years.

Some errors have been found in the information that you have provided. Pleave review the below questions and resolve any errors to continue with the form.


Are you working at the moment?

Your Living Arrangements

I found the service to be very professional, but also friendly and the whole process was made easy to navigate through due to the assistance and support provided.


Did you know?

Revive Financial's services are offered Australia-wide. No matter where you are in the country, if you’re struggling with debt, we can find the best solution to help get your finances back on track.

Some errors have been found in the information that you have provided. Pleave review the below questions and resolve any errors to continue with the form.

What are your current living arrangements?

What post code do you live in?

Post code must be 4-digits long (e.g. 4567).

People in Household



Your Solution

Your Affordable Debt Repayment

After considering your estimated household expenditure we calculated your affordable debt repayment to be:

$0 Weekly

Affordable payment calculation calculated as Income – (Mortgage Payments + Rent + Board + Secured Loan Payments + Expected Household Expenditure). Expected expenditure is estimated using the Household Expenditure Measure (HEM) table.

Please consider your existing financial obligations when answering the following question. The amount you provide should allow you to still afford to live after making this payment.

What could you realistically afford to put towards your unsecured debts?


This does not include current secured debt repayments including general living expenses such as rent, utility bills and groceries.

Please select your preferred option...

Based on the details you’ve provided, we've featured our financial solutions that may be appropriate for your circumstances:’


Mortgage Refinance

You may be eligible to refinance your home loan, allowing you to access equity in your property or a better rate. This can provide the opportunity to consolidate your credit card debts and personal loans, reduce fees, and alleviate stress.

Not recommended due to:

  • Limited property value being accessible at this point in time
  • Current ability to meet repayment requirements

Consolidation Loan (Recommended)

Taking out a personal loan may be all you need to consolidate your finances and take back control of your debts. This will be dependent on your credit score, income, and capacity to service a new loan. Our experts can review your ability to access this option.

Not recommended due to:

  • Current ability to meet repayment requirements
  • Outstanding pay day loans
  • Current repayment status on existing debts
  • Total Unsecured Debt too low to consider this solution with our lending partners
  • Total Unsecured Debt too high to consider this solution with our lending partners

Debt Management Plan (Recommended)

Based on our Online Assessment, we estimate you could clear your unsecured debts of $total unsecured debt with a weekly payment of $affordable debt repayment over Renting = 3-5 years, Owner = 5-7 years via a Debt Management Plan. Complete our Online Application Form to provide further details on your debts, and find out how much you could save.

Not recommended due to:

  • Current ability to meet repayment requirements
  • Total Unsecured Debt too low to consider this solution

Bankruptcy (Recommended)

Bankruptcy generally last 3 years, can release you from obligations to repay unsecured debts and provide you with a fresh start. Our team of Bankruptcy experts are ready to review your details and discuss exactly how Bankruptcy would work for you.

Not recommended due to:

  • Income exceeding required thresholds 
  • Property value exceeding threshold limits
  • Total Unsecured Debt too low to consider this solution

Speak to a Free Financial Counsellor

Financial Counselling services provide free, independent and confidential assistance to people in financial difficulty. They can help you to manage a short-term crisis and/or plan to prevent one in the future.

No Interest Loan Scheme

If you are a low-income earner, you may be eligible to access the No Interest Loan Scheme. NILS can be used for essential good and services such as medical costs, educational fees, the purchase of whitegoods and furniture, vehicle servicing and repairs among other things.

Download Our FREE Budgeting Guide

This Road Map to Financial Freedom is a step-by-step guide to help you plan your budget and manage for finances into the future.

Apply for a Short Term Loan to cover urgent expenses

In some circumstances, a short term loan can be a viable option to cover urgent expenses and/or simplify multiple short term loan commitments into one. It is important to consider the required repayments and total payable before accepting a loan.

Do Nothing

Based on your affordable payment amount, we estimate you could pay up to Do Nothing Total over Do Nothing term to repay debts without assistance. We always recommend speaking to our team about available solutions to ensure you are informed on your options to address debt, and your potential savings.

Ignoring unmanageable debt is common, and often causes debts to spiral eliminating simple solutions that were available if early action was taken.

**Total payable assumes interest rate of 15% across all unsecured debts**