About ChapterTwo

We started ChapterTwo in 2015 with a simple frustration: good, hardworking people were being knocked back by the banks for reasons that had nothing to do with whether they could actually afford a loan. A missed payment from a tough year. Income that came from running your own business instead of a payslip. Debt that looked scary on paper but was completely manageable with the right structure.

So we built a brokerage around a different question. Not "what does your credit score say?" — but "can you actually afford this, and does it put you in a better position?" That's our capacity test: if what you're already paying each month across all your debts is more than a single, consolidated repayment would be, then you can afford it — and we can very likely help. It's a fairer way to look at people, and it's why we can say yes where others won't.

We're not just introducers who pass you to a bank. ChapterTwo holds its own Australian Credit Licence, ACL 531408 — we're accountable for the advice we give. Our panel includes every specialist and private lender in the country, and we know their policies backwards, so we can match your situation to the one lender most likely to approve it. Our founder was shortlisted for Specialist Broker of the Year in 2024 — recognition that this approach works.

Since 2015 we've helped hundreds of Australians consolidate their debts, refinance on their terms, and get back in control of their money. If the banks have said no, talk to us.