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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.

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.

Request Info

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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 by refinancing your existing mortgage.

Firstly we seek pre-approval of your refinance from one of our 30 lenders

Pre-Approval

Firstly we seek pre-approval of your refinance from one of our 30 lenders
Then we negotiate reduced settlements with your credit providers

Negotiation

Then we negotiate reduced settlements with your credit providers
Finally we settle your debts by refinancing your mortgage

Settle & Refinance

Finally we settle your debts by refinancing your mortgage

What is a 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

Firstly we seek pre-approval of your refinance from one of our 30 lenders

Pre-Approval

Firstly we seek pre-approval of your refinance from one of our 30 lenders
Then we negotiate reduced settlements with your credit providers

Negotiation

Then we negotiate reduced settlements with your credit providers
Finally we settle your debts by refinancing your mortgage

Settle & Refinance

Finally we settle your debts by refinancing your mortgage

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


How did we help?

We negotiated a settlement with creditors of 43c in the dollar

We negotiated a settlement with creditors of 43c in the dollar

This equated to a saving of $132,485

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

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

We have given Claudia and Chris a new lease on life. They were able to keep the family home and avoid bankruptcy

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.


Thankfully, 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


How did we help?

We negotiated a settlement with creditors of 43c in the dollar

We negotiated a settlement with creditors of 43c in the dollar

This equated to a saving of $132,485

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

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

We have given Claudia and Chris a new lease on life. They were able to keep the family home and avoid bankruptcy

Our Lenders

Our Lenders

Westpac
Macquarie Bank
ThinkTank
EZY
res
MKM
St-George
CITIbank
bluestone
Nab
heartland
home
INGDIRECT
latitude
Resimac
ali
La Trobe
AMF
bankwest
Alelaide-bank
Pepper
first
AMP
AMF 2
CommonwealthBank
Libery Financial 1
BOS
suncorp
homeside
all-state
BOQ
ANZ
ME
heritage
rams

We help our clients, every step of the way

We help our clients, every step of the way

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.
Thanks to the guys at ChapterTwo who got me out of a tricky credit card debt situation. Highly recommend
Andrew Matheson
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
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
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
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
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
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
Jo-Anne S
02:58 08 Feb 19
Really professional and helpful. Highly recommended
Mohammed Asef Ali
Mohammed Asef Ali
03:46 07 May 19
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
Jo-Anne S
02:58 08 Feb 19
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 & Kate
Daryoush Zand
Daryoush Zand
01:45 05 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.
Liz Ferguson
Liz Ferguson
02:42 16 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!!!🙏
Victoria Campbell
Victoria Campbell
06:28 19 May 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.
Chris Saracini
Chris Saracini
09:47 21 Sep 20

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