This is NOT a new loan on top.
It's your existing debt, restructured into one — not extra borrowing stacked on.
★ 4.9 from 190+ verified reviews
THE BACK ON TRACK REFINANCE
The bank said no? One repayment. Breathing room. Back on track.
If you own your home, you have more options than one bank's 'no'. Roll multiple debts — credit cards, car, personal loans, ATO — into one manageable repayment. Even if you've been declined, have a default, or you're self-employed.
It's just an enquiry — no credit check, no obligation.
2024 & 2026 Australian Mortgage Awards
Excellence Awardee
Broker of the Year — Specialist Lending
★ 4.9 from 190+ verified reviews· 30+ specialist lenders· Award-winning specialist brokers
Watch: how it works in 90 seconds.
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If you're lying awake doing the maths, this is for you.
Right now it might be five different repayments, five due dates, and a knot in your stomach every time the phone rings. Credit cards at 20%. A car loan at 12%. A personal loan at 10%. You pay every month — and the balances barely move.
You've probably already run the numbers yourself at 11pm: roll it all into the home loan, one repayment, one lower rate. The maths works. You know it works. But every bank you've spoken to looks at your file and says no.
Here's the truth: it's not the debt that's the problem. It's the rate and the structure. And those can be fixed — just not by the bank you've been talking to.
20%
typical credit card rate
5+
separate repayments the average client arrives with
~$1,900/mo
average saving for clients consolidating multiple debts*
*estimate; individual results vary.
Why the bank said no — and who says yes.
Here's what makes people furious: it's usually not because you don't earn enough, or the equity isn't there. It's a credit score — a number, from a rough patch that might've been years ago.
Most people are only ever assessed by one big bank, built to reject anything outside its narrow box. But there's a whole network of specialist lenders in Australia who read the same file completely differently. They look at your equity, your income, and whether you can afford the repayment today — not a code from the past. We work with 30+ of them, and matching your exact situation to the right one is what we do all day.
You're not a risk. You're a good borrower who hit a rough patch — and that's exactly who we help.
Let's clear up what this actually is.
This is NOT a debt agreement or insolvency.
Nothing that damages your credit further. The goal is the opposite — a clean path forward.
This is NOT a budgeting lecture.
You're not bad with money. You hit a wall. We fix the structure, not lecture you.
This is NOT a last-resort loan at a worse rate.
A genuine home-loan-rate refinance with a specialist lender, with a plan to move to prime once you're back on track.
How it works — three simple steps.
1
Check where you stand
Answer a few quick questions (about 2 minutes). No credit check, no obligation.
2
We match your file
We put it in front of the right one of 30+ specialist lenders. One targeted submission, no wasted credit enquiries.
3
Get your plan
A real Chapter Two broker walks you through your options and what your new repayment could look like. No obligation.
See where you stand — in about 2 minutes.
Just an enquiry — no credit check, 100% private. We'll never spam you.
For Australian homeowners. Consolidating through a home loan requires property ownership. If we can't help, we'll tell you straight — and point you to free support.
Real people. Real results.
Every one of these was told 'no' somewhere else first.
Michael — 16 debts, including ATO & Centrelink.
Before: mortgage $607k @ 6.69% + 16 separate debts totalling $150,330 (personal loans, cards, BNPL, rates, fines, ATO, Centrelink), 3 defaults outstanding.
After: consolidated into one loan; 17 payments became one; all bills, ATO and Centrelink brought up to date; 3 defaults ($44,281) marked PAID.
Next: refinance to a lower-rate lender after 6 months on-time.
Adam — on the brink, brought back.
Before: mortgage $273k, 2.5 months in arrears, 13 debts totalling $88,682.
After: all consolidated into one manageable repayment, mortgage back on track.
"You saved a family today."
Tipene — refinance + renovations.
Before: mortgage $395k @ 6.14% ($2,431/mo) + creditors $49k ($1,115/mo) = $3,546/mo.
After: single home-loan repayment + $25,000 cash-out for renovations, total outgoings down ~$468/month.
Cash-out example — equity put to work.
Consolidated all household debt PLUS unlocked $110,000 at a home-loan rate (two vehicles + a caravan) with repayments about the same as before.
Real Chapter Two client outcomes. Individual results vary. Estimates are not a guarantee of approval or savings.
The bank vs a specialist broker.
Judges you on
A big bank: One credit score
Chapter Two: Equity, income & ability to repay
Lenders considered
A big bank: 1 (theirs)
Chapter Two: 30+ specialist lenders
Defaults / arrears / hardship
A big bank: Usually an automatic no
Chapter Two: Assessed case-by-case, no judgement
Self-employed / low-doc
A big bank: Hard
Chapter Two: Welcome
If declined
A big bank: "Come back in 6 months"
Chapter Two: A plan you can act on now
The check
A big bank: Full application, credit hit
Chapter Two: 2-minute enquiry, no credit check
Why homeowners trust Chapter Two.
Pepper Money Broker of the Year – Specialist Lending, Australian Mortgage Awards 2024 & 2026
4.9 ★ from 190+ verified reviews
30+ specialist lenders
A real, named broker — not a call centre
Australian Credit Licence 531408
We specialise in one thing: helping homeowners the banks turn away. Real brokers — Chris, Thomas, Tracey and the team — who deal with complex files every single day, not once a month between standard home loans.
Loved by homeowners — 4.9★ from 190+ reviews.
93% are 5-star. Verified across Trustpilot & Google.
What you get with the Back on Track Refinance.
Your 2-minute position — a real indicative picture of what's possible, fast.
A no-obligation enquiry — see where you stand, with no credit check.
Specialist lender match — your file in front of the right one of 30+ lenders.
Second-chance assessment — defaults, arrears, self-employed, low-doc all considered, no judgement.
Done-for-you paperwork — we chase the lender and the docs. You upload a licence and payslips.
Your own named broker — a real human who sees it through to settlement.
A path back to prime — a plan to refinance to a lower rate once you're back on track.
Check what's possible in 2 minutes. It's a no-obligation enquiry — nothing touches your credit score. No cost. If we can't improve your position, we'll tell you straight.
Questions homeowners ask us.
Own your home and been knocked back? Two minutes tells you where you stand.
It's just an enquiry — no credit check, no obligation.
Prefer to talk? {{BOOKING_LINK}} — or we'll call you within 24 hours.