Debt Solutions

We eliminate debt and protect your credit rating,
without the use of debt agreements

Debt Solutions

We eliminate debt and protect your credit rating,
without the use of debt agreements

Informal Debt Arrangement

An Informal Debt Arrangement allows you to resolve your debt issues without suffering the harsh consequences of a Part 9 Debt Agreement or Bankruptcy and does not impact your credit file.

Full & Final Settlements

A Full & Final settlement involves negotiating an agreement with your creditors for a final settlement by offering a reduced lump sum to close your debts, rather than paying the full amount.

Long Term Arrangement

A Long Term Arrangement involves negotiating an agreement with your creditors to vary your credit contract, with affordable monthly repayments, to pay off your debts over a longer period of time.

Informal Debt Arrangement

An Informal Debt Arrangement allows you to resolve your debt issues without suffering the harsh consequences of a Part 9 Debt Agreement or Bankruptcy and does not impact your credit file.

Full & Final Settlements

A Full & Final settlement involves negotiating an agreement with your creditors for a final settlement by offering a reduced lump sum to close your debts, rather than paying the full amount.

Long Term Arrangement

A Long Term Arrangement involves negotiating an agreement with your creditors to vary your credit contract, with affordable monthly repayments, to pay off your debts over a longer period of time.

Mortgage Products

We assess and tailor mortgage solutions to your financial situation

Mortgage Refinance

If you’re after a more competitive rate on your existing mortgage, then our ChapterTwo consultants have access to industry leading rates.

Debt Negotiation Refinance

If you own property, and also have excessive personal debts – we can heavily reduce your liabilities by refinancing your mortgage and negotiating with your creditors.

Purchase & Investments

Chasing your dream home? Our experienced mortgage brokers know the market inside and out. We have hundreds of different products to choose from and always find the best deal for our clients.

Should I fix my home loan rate?

Australian home owners are currently enjoying the savings they’re making on their mortgage repayments thanks to all-time low interest rates.

 

Home loan fixed rates currently sit well below the standard variable rates (SVR) so, at the moment, it’s possible to cut your interest costs by fixing.

 

However, although a fixed rate home loan can offer good protection against rising interest rates, it’s important to consider all aspects of fixed loans, which are generally far less flexible than their variable siblings……..

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Mortgage Products

We assess and tailor mortgage solutions to your financial situation

Mortgage Refinance

If you’re after a more competitive rate on your existing mortgage, then our ChapterTwo consultants have access to industry leading rates.

Purchase & Investments

Chasing your dream home? Our experienced mortgage brokers know the market inside and out. We have hundreds of different products to choose from and always find the best deal for our clients.

Debt Negotiation Refinance

If you own property, and also have excessive personal debts – we can heavily reduce your liabilities by refinancing your mortgage and negotiating with your creditors.
Navigate your way to the page which best suits your financial situation.

Find your problem

Navigate your way to the page which best suits your financial situation.
Next, use our live-chat, fill out an enquiry form or call 1300 344 433.

Speak to us

Next, use our live-chat, fill out an enquiry form or call 1300 344 433.
We then request a few easy steps to get the ball rolling.

Prepare your information

We then request a few easy steps to get the ball rolling.
Whether you are in debt, or you are looking for a mortgage solution - we will always find a way to help YOU

We settle your situation

Whether you are in debt, or you are looking for a mortgage solution – we will always find a way to help YOU
Navigate your way to the page which best suits your financial situation.

Find your problem

Navigate your way to the page which best suits your financial situation.
Next, use our live-chat, fill out an enquiry form or call 1300 344 433.

Speak to us

Next, use our live-chat, fill out an enquiry form or call 1300 344 433.
We then request a few easy steps to get the ball rolling.

Prepare your information

We then request a few easy steps to get the ball rolling.
Whether you are in debt, or you are looking for a mortgage solution – we will always find a way to help YOU

We settle your situation

Whether you are in debt, or you are looking for a mortgage solution – we will always find a way to help YOU

Our Difference

It’s what sets us apart from the rest

Our Difference

Debt Agreements, or Part IX Agreements, are legally binding contracts which are an act of bankruptcy. You should never accept bankruptcy as an option. We cater for all types and sizes of debt. We learn about your financial situation, freeze your interest and repayments, then formulate a plan to eliminate your debt - often reducing debts by up to 80%

No Debt Agreements

Debt Agreements, or Part IX Agreements, are legally binding contracts which are an act of bankruptcy. You should never accept bankruptcy as an option. We cater for all types and sizes of debt. We learn about your financial situation, freeze your interest and repayments, then formulate a plan to eliminate your debt – often reducing debts by up to 80%
Because the debt is settled on mutually beneficial terms, we ensure there's no defaults and no black marks

We protect your credit rating

Because the debt is settled on mutually beneficial terms, we ensure there’s no defaults and no black marks
Our access to over 30 lenders ensures we will find you the best rate in the market

Best Mortgage Rates

Our access to over 30 lenders ensures we will find you the best rate in the market
We settle your unsecured debts at a significantly reduced
amount – by offering an upfront payment to your creditors by refinancing your existing mortgage. We have reduced outgoing payments to creditors by over 60% in some cases.

Debt Negotiation Refinance

We settle your unsecured debts at a significantly reduced amount – by offering an upfront payment to your creditors by refinancing your existing mortgage. We have reduced outgoing payments to creditors by over 60% in some cases.
  • - Daniel B

    “With the burden of debt getting heavier by the day ChapterTwo was instrumental in relieving a huge amount of debt stress almost instantaneously. Peter Comino offered very reassuring advice that allowed me debt relief with several financial institutions. My good credit rating has remained unaffected and going forward I will be in a better position in regard to the managing of my debt.”

  • - Anabel Fidelino

    "Excellent service with great results!!! Contacting ChapterTwo is the best decision we've made when it comes to putting our finances in order. John Ingate and his team helped us with our refinancing a few months ago. Over the years, my husband and I accumulated considerable amounts of credit card debts and personal loans - ChapterTwo helped us out by consolidating all of our debts into one easy home loan repayment. They negotiated on our behalf with the banks that would give us the best option. They are very professional and transparent in all their dealings and keep us informed every step of the way. Now, we can breathe easy. It's like being given a fresh start, a clean slate-a new chapter! We highly recommend them. More power to you guys, we can't thank you enough!"

  • - Richard Murrell

    "Excellent professional help. Thanks to you all at ChapterTwo. Now I'm on top of my finances again after having two credit cards and paying the banks a lot of money for nothing. Not to mention the mortgage and bills as well. It can become a struggle. Thanks again to John for all your help."

  • - Tanya

    “My husband and I had been searching for financial assistance for a long time that was not going to jeopardise our borrowing opportunities in the future. I stumbled across ChapterTwo online, and the services that they offered really fit what we were looking for. 

    After explaining our situation and receiving a plan from Peter Comino at ChapterTwo, we have been able to pass on some of our financial stress to ChapterTwo who have been able to negotiate a better path forward with our lenders and create an easier lifestyle for our family. Their services have been a huge help.”

  • - Tony

    “I thank Peter and his team at ChapterTwo for their diligence and hard work in achieving a most satisfactory solution to my financial concerns. After thinking I could do it alone and trying for over two years the team at ChapterTwo were able to achieve an outcome that has allowed me financial security. All done in under 12 months.”

  • - Edward Hattersley

    "John from ChapterTwo was professional, attentive and efficient. He took the time to understand our financial situation and recommend the best product to suit our needs. As a result, we saved thousands of dollars in interest repayments. I would recommend John to any of our family and friends. Excellent service, attentive and attention to detail!"

  • - Daniel Hayes

    "ChapterTwo & more specifically, Peter Comino has done so much for me over the last year. He’s assisted me with all my concerns with various debts. I had a significant debt hanging over my head from four banks. I was so worried how I was going to support my young family and get through each month. Peter took my personal issues off my hands, negotiated on my behalf and managed to give me some breathing space, by freezing the repayments for the last 6 months and longer on some others. I was able to prepare for my babies arrival and move home. I now have three out of the four debts being paid off interest free through his successful negotiations. Without the help & personal care from Peter & ChapterTwo I would still be so stressed how I could pay all the bills each month. Do yourself a favour & contact ChapterTwo if you require financial relief!"

  • - Ripine Kolio

    "John Ingate of ChapterTwo's service was professional, outstanding, reliable and most importantly very friendly. The communication via email was consistent and it seemed as if we knew each other for years. The best part was, I did not have to run around as I did previously with other finance, he did most of the work and all I did, was to sign and emailed it. I am extremely happy that I found John Ingate from ChapterTwo, who finally helps me with my financial crisis. I definitely recommend John Ingate's service and ChapterTwo to anybody who are struggling with their mortgages. Thanks so much."

  • - Claudia Paddison

    "The Team at Chapter Two are phenomenal and I am highly recommending them to everyone that needs any financial assistance. Chris and I have just used the services of ChapterTwo for a debt consolidation mortgage re finance to payout & close all our credit card & tax debt. A previous company looked at our situation and told me I would have to look at bankruptcy as a way out which left me emotionally devastated so it was "life changing" when I came across ChapterTwo. Special mention to John Ingate, now my mortgage broker for life, and Peter Comino & his team, outstanding negotiators. The client care is like no other through the process, replying to questions straight away & always available making a very stressful situation proceed with ease. Thank you guys, words cannot describe how grateful we are, we are back on track financially as we begin a new chapter of our lives."

  • - John Burden

    Chapter Two & more specifically, Chris Mushan could not have done more for me in the last two years. He's assisted me like I was family. I had a significant debt hanging over my head from two banks. I was literally sinking & worried how I was going to support my young family. ChapterTwo took my personal issues off my hands, negotiated on my behalf & essentially created a stress free life for the last 18 months. I was able to knuckle down & save to a plan rather than plan to save. I was able to pay off the significant debt within 18 months which otherwise would have taken me close to a decade. There is no possible way I would now be debt free without the help & personal care from Chris and his team at ChapterTwo. These guys literally saved me. Do yourself a favour & contact ChapterTwo if you require financial relief.

  • - Dean

    "My wife and I would like to take this opportunity to say a very big thank you to ChapterTwo, and more specifically, John Ingate. Recently, John was able to assist us in consolidating all our debts and refinancing our home loan. John was on all levels, professional , understanding and caring of our situation. His obvious commitment to his services in it's self speaks volumes. I truly believe we were treated like family. Thank you John for being able to achieve for us what no one else could!"

Rest assured, this form is not a commitment or contract, it just allows us to contact you for a quick chat as soon as we can

 

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