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Debt Negotiation Refinance

Got a mortgage? Consolidate your debts into a single payment. Free yourself from debt with ChapterTwo. Our experienced team can get you back on track today by negotiating a reduction on your debts using equity in your property.

Take control of your debt today

The journey to financial freedom is just 60-seconds away. Simply fill in the form below to get started. Once completed we will be in touch with a plan to start reducing your debts. 

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Debt Negotiation Refinance

Got a mortgage? Consolidate your debts into a single payment. Free yourself from debt with ChapterTwo. Our experienced team can get you back on track today by negotiating a reduction on your debts using equity in your property.

Take control of your debt today

The journey to financial freedom is just 60-seconds away. Simply fill in the form below to get started. Once completed we will be in touch with a plan to start reducing your debts. 

Debt wiped
Australians helped
Interest saved
Saved from bankruptcy
80m+

Debt wiped

6k+

Australians helped

30m+

Interest saved

6k+

Saved from bankruptcy

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What is a Debt Negotiation Refinance?

We settle your unsecured debts at a significantly reduced amount – by offering an upfront payment to your creditors using equity in your property.

Never heard of this process before? That is because there are no other companies that specialise in this process. Over the years of assisting our clients with debt solutions we noticed that a lot of our clients had equity in their property but not enough to consolidate all of the debts. That is when the debt negotiation refinance was born.

Utilising our skills in full & final settlements we established a mortgage division of ChapterTwo. We assess our client’s serviceability to refinance their current mortgage. We provide the most competitive rate and apply for the maximum amount our clients can afford. We use the equity available to offer a settlement on our client’s debts which does not impact their credit file and consolidates all of the debt into the mortgage.

c2 favicon

What is a Debt Negotiation Refinance?

We settle your unsecured debts at a significantly reduced amount – by offering an upfront payment to your creditors using equity in your property.

Never heard of this process before? That is because there are no other companies that specialise in this process. Over the years of assisting our clients with debt solutions we noticed that a lot of our clients had equity in their property but not enough to consolidate all of the debts. That is when the debt negotiation refinance was born.

Utilising our skills in full & final settlements we established a mortgage division of ChapterTwo. We assess our client’s serviceability to refinance their current mortgage. We provide the most competitive rate and apply for the maximum amount our clients can afford. We use the equity available to offer a settlement on our client’s debts which does not impact their credit file and consolidates all of the debt into the mortgage.

The Process

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How does a Debt Negotiation Refinance work?

Call ChapterTwo on 1300 344 433 or submit a contact form and we will call you at a time that best suits you. We will evaluate your situation so that we can make sure a Debt Negotiation Refinance is right for you.

Get in touch with ChapterTwo

Get in touch with ChapterTwo

We assess your situation and find the most affordable and cheapest rate in the market for you

We assess your situation

We assess your situation

We apply for pre-approval of a refinance on your mortgage.

Refinance

Refinance

Once we have the pre-approval our debt settlement experts negotiate the reduced settlement amounts with your creditors.

We reduce your settlement amount

We reduce your settlement amount

Once the debts are successfully settled, we provide the settlement letters to the new mortgage lender to refinance and close out your debts at a reduction.

Your debt is settled

Your debt is settled

You make one payment towards your mortgage!

You are left with one easy payment

You are left with one easy payment

c2 favicon

How does a Debt Negotiation Refinance work?

Get in touch with ChapterTwo

Get in touch with ChapterTwo

Call ChapterTwo on 1300 344 433 or submit a contact form and we will call you at a time that best suits you. We will evaluate your situation so that we can make sure a Debt Negotiation Refinance is right for you.

We assess your situation

We assess your situation

We assess your situation and find the most affordable and cheapest rate in the market for you.

Refinance

Refinance

We apply for pre-approval of a refinance on your mortgage.

We reduce your settlement amount

We reduce your settlement amount

Once we have the pre-approval our debt settlement experts negotiate the reduced settlement amounts with your creditors.

Your debt is settled

Your debt is settled

Once the debts are successfully settled, we provide the settlement letters to the new mortgage lender to refinance and close out your debts at a reduction.

You are left with one easy payment

You are left with one easy payment

You make one payment towards your mortgage!

Recent Case Studies

Case Study

Name – Chris & Claudia
Debt
$235,154.09
Solution – Debt Negotiation Refinance

Overview

Claudia and her partner Chris engaged us to assist them with their financial situation because their current debt levels were crippling them and they were both considering bankruptcy.

Luckily, we had a better solution whereby we could solve their debt troubles without filing for bankruptcy.The total monthly outgoings of all this high interest debt coupled with their mortgage repayments was $6,492. This wasn’t sustainable and a Debt Negotiation Refinance was the only way to financial freedom.

ChapterTwo didn’t need to enter their debts into hardship because up until that point they had been managing their repayments. We went straight to settlement and the figures are outlined below:

Molbile-600x663

How we helped

We negotiated a settlement with creditors of 43c in the dollar
This equated to a saving of $132,485
Claudia and Chris’s outgoings were $6,492 p/m. We have reduced that amount to just $2,834 p/m
We have given Claudia and Chris a new lease on life. They were able to keep the family home and avoid bankruptcy

Recent Case Studies

dnr mob

Case Study

Name – Chris & Claudia
Debt
$235,154.09
Solution – Debt Negotiation Refinance

Overview

Claudia and her partner Chris engaged us to assist them with their financial situation because their current debt levels were crippling them and they were both considering bankruptcy.

Luckily, we had a better solution whereby we could solve their debt troubles without filing for bankruptcy.The total monthly outgoings of all this high interest debt coupled with their mortgage repayments was $6,492. This wasn’t sustainable and a Debt Negotiation Refinance was the only way to financial freedom.

ChapterTwo didn’t need to enter their debts into hardship because up until that point they had been managing their repayments. We went straight to settlement and the figures are outlined below:

Molbile-600x663

How we helped

We negotiated a settlement with creditors of 43c in the dollar
This equated to a saving of $132,485
Claudia and Chris’s outgoings were $6,492 p/m. We have reduced that amount to just $2,834 p/m
We have given Claudia and Chris a new lease on life. They were able to keep the family home and avoid bankruptcy

eBook:

Why You Should Never Accept a
Part IX Debt Agreement

eBook:

Why You Should Never Accept a Part IX Debt Agreement

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Take control of your debt today

The journey to financial freedom is just 60-seconds away. Simply fill in the form below to get started.
Once completed we will be in touch with a plan to start reducing your debts. 

c2 favicon

Take control of your debt today

The journey to financial freedom is just 60-seconds away. Simply fill in the form below to get started. Once completed we will be in touch with a plan to start reducing your debts.

c2 favicon

Read our 5 star reviews

Visit ChapterTwo on Google to leave your own..

ChapterTwo
4.8
Based on 24 reviews
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Chris Saracini
Chris Saracini
09:47 21 Sep 20
Chapter Two is totally legit. They could easily earn a lot more money acting as yet another predatory financial... service, but instead they actually help people - and they know their stuff.When I found these guys, I had a massive debt with a company whose 'hardship team' had no interest whatsoever in negotiating with me, but Chris Mushan and Peter Comino were able to get them off my back for two whole years before a palatable settlement arrangement was offered, and now I am debt free.Chapter Two's fees were also VERY reasonable in my experience. I highly recommend this company.read more
Victoria Campbell
Victoria Campbell
06:28 19 May 20
Hi my name is Victoria-I am writing this review with much gratitude and appreciation for the incredible work Chris... Mushan of Chapter Two has done in completely wiping my brother in law’s debt as he has been diagnosed with a brain tumour and is unable to work after his operation. Thankyou for your patience and caring attitude Chris as I know this wasn’t a simple job. Words cannot express how thankful us Campbell’s are Chris Mushan🙏the pressure it has taken off Colin and his family is enormous! Thanking you Chris Mushan and Chapter two. The girls on reception were always so caring and friendly too!!!🙏read more
Liz Ferguson
Liz Ferguson
02:42 16 May 20
If you are like me, I am always wary that great reviews are written by the company and not real customers. Let me... assure you I am real and so is my story.I am a 65-year-old female, I had built a business up over 22 years & out of the blue due to unexpected health issues couldn’t work to my capacity anymore. I had amassed over $122,000 of personal & business credit card debt to try & keep afloat. I always did the right thing & paid my credit card debts for many years approx. $4000 per month just for credit card payments no other bills. I had already asked for a loan against the equity in my home which would have solved the problem but due to my age the bank said no as other lenders. My business & income were declining, I was drowning in debt. All I could see on the horizon was me losing my business, home & having to go bankrupt.I was in such a dark place, depressed, alone .After weeks of searching the internet about Debt Solutions Companies I exhausted the list, I was now not only feeling desperate but angry that the industry spouts how they can help you but empty words without meaning or any care. I only felt that I was their meal ticket. It was all about money and what was in it for them, don’t get me wrong I understand a person must be paid for their services, only too happy to pay a reasonable fee for their expertise but felt the companies I had spoken to didn’t really care what happened to me in the end.On the day I was about to give up I saw an article on a company called ChapterTwo, it caught my interest, I could relate to what was written, it sounded sincere and that they did things differently. I thought just one more call, they probably won’t answer or ring back as a lot of other companies hadn’t. What a surprise, a lovely girl answered the phone with such a caring voice and ensured me Chris would call me back after his meeting.Well Chris rang me back as promised, all he said was, Liz tell me your story, and he listened, at the end of my story he told me he could help me, and would send me confirmation in writing (got the email within ½ hr as promised) and details of his fees and what process he would follow after getting more information from me. He arranged for all payments to be frozen whilst they negotiated on my behalf. I felt immediate relief that I was in someone’s hands that was going to help me to the best of their ability and that was all I was asking for.I live in Brisbane and ChapterTwo are in Sydney and I thought how am I going to manage this, well it was so easy. By phone calls and emails. I answered all their questions sent the form off and was told the team would review and come back with a few more questions. I would be updated every step of the way. Just like the first phone call they were totally of their word. For the first time I felt like I had a chance, I had decided to use my Super to pay my creditors. So, I had expected to pay out a minimum of $50,000 to save my home and business and be credit card free. What happened next floored me, Chris decided he wasn’t going to offer my super but asked for the debt to be waived totally due to my circumstances. I started this process on 31st January 2020 and on the 16th April 2020 the process was finalized and the total debt was waived.ChapterTwo (Chris) literally saved me, my home and I can never repay him for what he has done, I know it is a business and that is what he does but it is the way a business conducts themselves that is important especially in an industry that people are so desperate, vulnerable and are on the edge.Not everyone is going to be as lucky as I was, I understand that, but I can honestly say that if you need help this is the company to help you navigate thru a difficult journey. As far as I am concerned, they are the best. They know how to and who to negotiate with to get incredible results.I am indebted to Chris for life not for just helping me financially thru this but caring enough to take it a step further due to my circumstances and giving me a chance to move forward.read more
Daryoush Zand
Daryoush Zand
01:45 05 May 20
Sincere Thank you to Chris and Peter for all your efforts in reducing & consolidating our debts, it significantly... helped us and indeed saved our business. Best regards, Daryoush & Kateread more
Jenny Van Cleef
Jenny Van Cleef
22:17 09 Jun 18
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".read more
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