Non-Bank Bad Credit Refinance With Fast Settlement
Rejected by your bank? We secure non-bank and private mortgage refinancing for Australian homeowners with adverse credit, multiple debts and urgent deadlines — settling in as fast as 3–7 days.
Why ChapterTwo For Bad Credit Refinancing
We're bad credit mortgage brokers who know which non-bank lender to approach, how to present your file, and when to switch to private lending for speed.
Direct Non-Bank Lender Access
Established relationships with Australia's leading non-bank and specialist lenders — Pepper, Liberty, Resimac, Bluestone, La Trobe and more.
Fast Settlement Private Lending
Urgent settlements in as fast as 3–7 business days when banks and even specialists are too slow.
Roll Up Multiple Debts
Combine credit cards, personal loans, BNPL, car loans and ATO debt into one lower mortgage repayment.
Equity & Exit-Based Assessment
Decisions weighted to property equity and a credible exit strategy — not just a credit score that's been damaged temporarily.
Pathway Back To Banks
Every non-bank loan is structured with a clear refinance plan back to a mainstream lender within 12–24 months.
100% Phone & Online
Apply from anywhere in Australia. We handle lender negotiation, paperwork and settlement remotely.
Who This Solution Helps
Common scenarios where non-bank and private refinancing is the right call — particularly for Australian homeowners juggling multiple debts.
Multiple Debt Consolidation
Five credit cards, a car loan and a personal loan rolled into one mortgage repayment — often slashing monthly outgoings by $1,500+.
Defaults & Arrears Refinance
Refinance away from a hostile bank or specialist lender with paid/unpaid defaults, missed payments or hardship arrangements on file.
ATO & Business Debt Payout
Pay out ATO debt, director loans and overdrawn business facilities before they escalate to recovery action.
Time-Critical Settlements
Auction purchase, mortgagee-in-possession notice or balloon payment due — non-bank and private lending can settle in days, not months.
Post-Bankruptcy / Part IX Refinance
Refinance with discharged bankruptcy or Part IX debt agreement, including before the standard 3-year bank waiting period ends.
Equity Release For Working Capital
Release equity for renovations, business cashflow or to pay out an ex-partner — even when banks have declined.
Eligibility At A Glance
Indicative criteria across our non-bank and private lender panel. Every file is assessed on its specifics — not a tick-box.
Fast Settlement Pathways
Three settlement tiers depending on how urgent your deadline is — we pick the slowest (and cheapest) one that still meets your timeframe.
Specialist Non-Bank
Adverse credit, alt-doc self-employed, recent defaults — long-term home loan pricing.
Private Mortgage (Standard)
Recently rejected, urgent debt clean-up, complex income, 1st mortgage refinance with equity.
Private Mortgage (Urgent)
Auction, mortgagee notice, balloon payment, settlement penalty looming.
Compare Bad Credit Mortgages
Major banks vs non-bank specialists vs private lenders — and where each one fits.
| Feature | Major Banks | Non-Bank Specialist | Private Lender |
|---|---|---|---|
| Decision Style | Automated credit scoring | Manual credit assessment | Equity & exit focused |
| Credit Score Tolerance | Excellent only | Adverse credit OK | Not the primary factor |
| Defaults / Arrears | Auto decline | Case-by-case | Accepted with equity |
| Self-Employed Docs | 2 yrs tax returns | Alt-doc / BAS / accountant letter | Asset-based |
| Settlement Speed | 30–45 days | 10–21 days | 3–10 days |
| Loan Term | 25–30 yrs | 25–30 yrs | 1–24 months (bridge) |
| Best Used For | Clean credit refinance | Adverse credit long-term home loan | Urgent or rejected cases |
How It Works
Four steps to a settled refinance — designed to protect your credit file and hit your deadline.
Free Discovery Call
We listen first — your situation, all your debts, the deadline you're working to. No credit checks at this stage.
Lender Match & Indicative Terms
We compare non-bank and private options across our panel and come back with indicative terms — usually within 24 hours.
Application & Conditional Approval
We package the file properly the first time — protecting your credit file and avoiding the multi-enquiry trap.
Fast Settlement & Exit Plan
We settle, pay out your existing debts directly, and lock in the roadmap back to mainstream bank pricing.
Non-Bank & Private Lending FAQs
Straight answers on home loan refinancing with bad credit and fast-settlement private lending.
When Banks Say No, We Settle Fast.
Confidential, no-obligation chat with a bad credit specialist. We'll tell you honestly whether non-bank, private — or something else entirely — is the right call.