DEBT SOLUTIONS
Our solutions allow you to avoid bankruptcy – and get you back on track
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 place a default on your 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 place a default on your 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.
Find your problem
Navigate your way to the page which best suits your financial situation.
Speak to us
Next, use our live-chat, fill out an enquiry form or call 1300 344 433.
Prepare your information
We then request a few easy steps to get the ball rolling.
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
Find your problem
Navigate your way to the page which best suits your financial situation.
Speak to us
Next, use our live-chat, fill out an enquiry form or call 1300 344 433.
Prepare your information
We then request a few easy steps to get the ball rolling.
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
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%
We protect your credit rating
Because the debt is settled on mutually beneficial terms, we ensure there’s no defaults and no black marks
Best Mortgage Rates
Our access to over 30 lenders ensures we will find you the best rate in the market
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.
It’s not often you speak to a company who doesn’t try to push you in to signing up with them for their own benefit and has your best interested at heart. I was very surprised and gretaful when I spoke with Chapter two and do believe they will help you in the best way right for you. I felt very relieved after our phone conversation. Highly recommend.
Taylor Wheeler’s Dog Training Lifestyle
21:58 28 May 18
Thanks to the guys at ChapterTwo who got me out of a tricky credit card debt situation. Highly recommend
Andrew Matheson
04:06 29 May 18
It’s all over, finally!!!Yep, we were trying to refinance our home and consolidate some debts for over six months,it was a tricky, we got plenty of advice and promises but none actually delivered until we contacted chapter two. Our new loan have just settled and we couldn’t be more happier and relieved. Not only they got the job done but also within a short period of time. We can’t thank John ingate and the team at chapter two enough, your professionalism and guidance is what got through, for that we are so very grateful. So thank you again.
Lina Dimitriadis
03:25 06 Nov 17
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!
Edward Hattersley
23:16 10 Jul 17
We would like to express our appreciation to Chapter Two and specifically to John Ingate and Peter Comino who have done what others could not do.Companies that we approached prior all advised us to sell our house and start over, but John and Peter were up to the challenge. They refinanced the house and consolidated all our debt, saving us approx. $140,000 on the final payout.We now have a single mortgage payment and money saved every month.Our lives are back on track thanks to the efforts of Chapter Two. THANK YOU!
Kasia & Graeme
04:45 20 Sep 17
In two words..."Life Changing" and "THANK YOU". We cannot thank Peter and John from Chapter Two enough, from start to finish they were professional with superior customer service. Our circumstances had us struggling and in a mess, Peter provided amazing support to us from start to finish and managed the overall arrangements, giving great advice and guidance.Finding someone you can trust and rely on in the finance area can be a challenge, bit like finding a good Doctor, Dentist and Hairdresser they are people you trust and will stick with for life. Chapter Two you certainly fit in this category, you have us for life now, for any future financial steps we will certainly be using and recommending your services without hesitation.We sincerely want to thank you for giving us the opportunity to restart our story at "Chapter Two".
Jenny Van Cleef
22:17 09 Jun 18
My wife and i would like to take this opportunity to say a very big thank you to Chapter Two, 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!.
Dean
03:23 03 Jul 17
THANK YOU!! ChapterTwo..especially to Chris & Peter who did a excellent job with consolidating all my debts and refinancing my home loan. They went above & beyond to help me refinance & with the situation I was in, they had their work cut out for them! But they never gave up. They also kept me informed the whole way through the loan process on any updates, great communication. So I am one very happy debt free customer & I would definitely recommend ChapterTwo to anyone who’s looking for financial relief..5 ⭐️⭐️⭐️⭐️⭐️
Jo-Anne S
02:58 08 Feb 19
Really professional and helpful. Highly recommended
Mohammed Asef Ali
03:46 07 May 19
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