★ 4.9 from 190+ verified reviews
THE BACK ON TRACK REFINANCE
If you own your home, a specialist lender can often help where the bank said no — too much debt, arrears, self-employed, a default. A quick capacity check shows what's possible.
Watch: how it works in 90 seconds.
It's just an enquiry — no credit check, no obligation.
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.
Rated 4.9/5 by 127 customers on Trustpilot
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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.
typical credit card rate
separate repayments the average client arrives with
average saving for clients consolidating multiple debts*
*estimate; individual results vary.
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.
It's just an enquiry — no credit check, no obligation.
It's just an enquiry — no credit check, no obligation.
Answer a few quick questions (about 30 seconds). No credit check, no obligation.
We put it in front of the right one of 30+ specialist lenders. One targeted submission, no wasted credit enquiries.
A real Chapter Two broker walks you through your options and what your new repayment could look like. No obligation.
Every one of these was told 'no' somewhere else first.
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.
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."
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.
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.
It's just an enquiry — no credit check, no obligation.
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: 30-second enquiry, no credit check
It's just an enquiry — no credit check, no obligation.
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.
93% are 5-star. Verified across Trustpilot & Google.
It's just an enquiry — no credit check, no obligation.
It's just an enquiry — no credit check, no obligation.
Prefer to talk? book a time that suits — or we'll call you within 24 hours.