Chat with us, powered by LiveChat

Secure a better interest rate

By securing a lower interest rate, your monthly repayments will reduce and save you money.

Switch between variable/fixed rates

You can utilise an offset account, incorporate a redraw facility or make extra payments to your mortgage without penalty.

Access equity in your home

By harnessing home equity, you have the opportunity to build additional wealth.

Consolidate debt

Refinancing your home loan can provide an opportunity to streamline your debt and finances.

Secure a better interest rate

By securing a lower interest rate, your monthly repayments will reduce and save you money.

Switch between variable/fixed rates

You can utilise an offset account, incorporate a redraw facility or make extra payments to your mortgage without penalty.

Access equity in your home

By harnessing home equity, you have the opportunity to build additional wealth.

Consolidate debt

Refinancing your home loan can provide an opportunity to streamline your debt and finances.

Why Refinance?

SECURE A BETTER INTEREST RATE

By securing a lower interest rate, your monthly repayments will reduce hence saving you money to use elsewhere. It is important to remember though that refinancing can come with some costs, that’s where we step in to help you make an informed, effective decision.

SWITCH BETWEEN VARIABLE / FIXED RATES

By switching to a fixed rate, you will be able to provide certainty that your repayments will stay the same for a period of time – allowing you to budget accurately with the aim to improve your financial position.

Conversely, you may decide that you would like to take advantage of a lower variable rate and leverage the benefits an offset account, redraw facility or the ability to make extra payments to your mortgage without penalty.

ACCESS EQUITY IN YOUR HOME

Your home is likely to be one of your most valuable assets, and by harnessing home equity you have the opportunity to build additional wealth.

‘Home Equity’ is the difference between the current market value of your home and the balance of your mortgage. For example, if your home is worth $800,000 and the balance on your mortgage is $300,000, your home equity is $500,000.

This money can be utilised to build additional wealth or achieve personal goals. Common investments include investment properties, shares or managed funds.

CONSOLIDATE DEBT

Refinancing your home loan can provide an opportunity to streamline your debt and finances, potentially reducing the overall interest you’re paying on multiple debts through the process of ‘debt consolidation’.

This means rolling several high interest debts into one lower rate debt – which could be your home loan. This may reduce your monthly interest and the number of debts you are paying off.

It is important to note that for debt consolidation to be truly cost effective, you need to commit to making additional repayments to pay off the enlarged loan as quickly as possible.

Why Refinance?

SECURE A BETTER INTEREST RATE

By securing a lower interest rate, your monthly repayments will reduce hence saving you money to use elsewhere. It is important to remember though that refinancing can come with some costs, that’s where we step in to help you make an informed, effective decision.

SWITCH BETWEEN VARIABLE / FIXED RATES

By switching to a fixed rate, you will be able to provide certainty that your repayments will stay the same for a period of time – allowing you to budget accurately with the aim to improve your financial position.

Conversely, you may decide that you would like to take advantage of a lower variable rate and leverage the benefits an offset account, redraw facility or the ability to make extra payments to your mortgage without penalty.

ACCESS EQUITY IN YOUR HOME

Your home is likely to be one of your most valuable assets, and by harnessing home equity you have the opportunity to build additional wealth.

‘Home Equity’ is the difference between the current market value of your home and the balance of your mortgage. For example, if your home is worth $800,000 and the balance on your mortgage is $300,000, your home equity is $500,000.

This money can be utilised to build additional wealth or achieve personal goals. Common investments include investment properties, shares or managed funds.

CONSOLIDATE DEBT

Refinancing your home loan can provide an opportunity to streamline your debt and finances, potentially reducing the overall interest you’re paying on multiple debts through the process of ‘debt consolidation’.

This means rolling several high interest debts into one lower rate debt – which could be your home loan. This may reduce your monthly interest and the number of debts you are paying off.

It is important to note that for debt consolidation to be truly cost effective, you need to commit to making additional repayments to pay off the enlarged loan as quickly as possible.

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

Request Info

{{ validation.firstError('first_name') }}
{{ validation.firstError('last_name') }}
{{ validation.firstError('email') }}
{{ validation.firstError('phone') }}
{{ validation.firstError('time_to_call') }}
{{ validation.firstError('state') }}
CALL 1300 344 433 <P>Speak to our experienced consultants

CALL 1300 344 433

Speak to our experienced consultants

SPEAK TO US NOW<p>Use our live-chat!

SPEAK TO US NOW

Use our live-chat!

REQUEST A CALLBACK<P>Fill in our online form!

REQUEST A CALLBACK

Fill in our online form!

Frequently Asked Questions

  • ChapterTwo assist people with mortgage refinance that are in many different financial situations. We provide solutions for refinancing or consolidating loans to people who:

    • Have been previously bankrupt
    • Looking to reduce financial stress
    • Have an irregular income
    • Are self employed
    • Have an unfavourable credit history
    • Those who have existing loans
    • Pensioners
    • Short-term employed

    We also provide assistance to those who want to:

    • Increase cash flow
    • Merge all payments into
    • Pay off mortgage faster
    • Renovate house
    • Buy a new car
    • Change to a home loan which is tailored to you