1, 265 Burwood Highway Burwood East, Victoria 3151
(03) 9087 2683
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PlanZero®

(03) 9087 2683

What is PlanZero® Secured Finance?

PlanZERO® is a payment program designed to help patients cover the cost of dental treatment at participating clinics. It involves a contract between the patient and the clinic, secured by a residential property to guarantee repayment. Unlike traditional financial institutions, PlanZERO® charges no interest, and since it's managed directly by the clinic, repayment terms are more flexible.

This program is ideal for patients who can manage regular payments but want to reduce the immediate financial burden of dental treatment. PlanZERO® allows patients to complete their entire treatment in one go, which often leads to better outcomes and avoids the delays or compromises of addressing issues one step at a time.

What Does it Involve?

PlanZERO® offers a no-cost, interest-free financing option that is popular among patients with equity in a residential property to use as security. Key details include:

  • Designed for patients with a residential property available for security
  • Borrow up to 50% of the total dental treatment cost (excluding anaesthesia)
  • A charge is placed on the property until the loan is fully repaid
  • Minimum monthly repayment of $750
  • Maximum loan term of 3 years
  • Completely interest-free with no hidden fees
  • Requires timely repayments

Frequent Questions:

How do I get started?

Before applying, make sure you have digital or scanned copies of the following documents, which can be uploaded online or submitted at the clinic:

  • Rates notice showing the property’s value (usually from the first annual notice)
  • Loan statement showing the current balance (if applicable)
  • Driver’s licenses for all property owners
  • Passports for all property owners (if available)
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planZERO

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PlanZERO® offers a no-cost, interest-free financing option find out if your eligible today.

planZERO Enquiry Form

What Happens Next?

Once you've submitted your enquiry, here's what to expect:

  1. Initial Contact

    A Treatment Coordinator will reach out to you to discuss your enquiry and provide more information about the Plan Zero process.

  2. Information Gathering

    During this stage, the coordinator will collect key details, including:

    • Security property address
    • Estimated property value
    • Current home loan balance (if applicable)
    • Names and addresses of all owners (exactly as they appear on the title)
  3. Required Documentation

    You'll be guided through the required documents, which typically include:

    • Rates notices showing the property's value
    • Loan statements confirming the current balance (if there is a loan)
    • Copies of driver's licenses and passports for all owners
    • A statutory declaration if there are any name discrepancies between documents and the property title
  4. Next Steps

    Once all relevant details are gathered, we'll outline the next steps and guide you through the Plan Zero process. If you have any questions along the way, our team will be here to assist you.

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(03) 9087 2683

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DISCLAIMER: The procedures described in this website may not be suitable for all patients. Any before and after pictures are examples only and should not be relied upon because results do vary. References as to the impact of treatment on the quality of life or timeframes given for any particular treatment are also examples only and may not represent what is possible or advocated for a patient's individual circumstances, concerns or desires. A full assesment by one of our qualified dentists is required before any recommendations can be provided. All our dentists are registered as such with AHPRA. Every surgical or dental procedure carries risks. Before and after pictures may an accurate comparison due to differences in composition, different hair and the presence of make-up and lipstick.