Chat with us, powered by LiveChat

Our Difference

It’s what sets us apart from the rest

Debt Agreements, or Part IX Agreements, are legally binding contracts which are an act of bankruptcy. You should never accept bankruptcy as an option. We cater for all types and sizes of debt. We learn about your financial situation, freeze your interest and repayments, then formulate a plan to eliminate your debt - often reducing debts by up to 80%

No Debt Agreements

Debt Agreements, or Part IX Agreements, are legally binding contracts which are an act of bankruptcy. You should never accept bankruptcy as an option. We cater for all types and sizes of debt. We learn about your financial situation, freeze your interest and repayments, then formulate a plan to eliminate your debt – often reducing debts by up to 80%
Because the debt is settled on mutually beneficial terms, we ensure there's no defaults on your file.

We protect your credit rating

Because the debt is settled on mutually beneficial terms, we ensure there’s no defaults on your file.
Our access to over 30 lenders ensures we will find you the best rate in the market

Best Mortgage Rates

Our access to over 30 lenders ensures we will find you the best rate in the market
We settle your unsecured debts at a significantly reduced
amount – by offering an upfront payment to your creditors by refinancing your existing mortgage. We have reduced outgoing payments to creditors by over 60% in some cases.

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. We have reduced outgoing payments to creditors by over 60% in some cases.

Our Difference

It’s what sets us apart from the rest

Debt Agreements, or Part IX Agreements, are legally binding contracts which are an act of bankruptcy. You should never accept bankruptcy as an option. We cater for all types and sizes of debt. We learn about your financial situation, freeze your interest and repayments, then formulate a plan to eliminate your debt - often reducing debts by up to 80%

No Debt Agreements

Debt Agreements, or Part IX Agreements, are legally binding contracts which are an act of bankruptcy. You should never accept bankruptcy as an option. We cater for all types and sizes of debt. We learn about your financial situation, freeze your interest and repayments, then formulate a plan to eliminate your debt – often reducing debts by up to 80%
Because the debt is settled on mutually beneficial terms, we ensure there's no defaults on your file.

We protect your credit rating

Because the debt is settled on mutually beneficial terms, we ensure there’s no defaults on your file.
Our access to over 30 lenders ensures we will find you the best rate in the market

Best Mortgage Rates

Our access to over 30 lenders ensures we will find you the best rate in the market
We settle your unsecured debts at a significantly reduced
amount – by offering an upfront payment to your creditors by refinancing your existing mortgage. We have reduced outgoing payments to creditors by over 60% in some cases.

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. We have reduced outgoing payments to creditors by over 60% in some cases.

WHAT WE DO

ChapterTwo’s unique business model specialises in Debt relief/negotiation, Debt Consolidation and Mortgage Broking. By connecting these three sections of the business, we assess and strategise solutions for individuals in financial distress.

HOW WE DO IT

We act as an intermediary between the debtors and creditors and negotiate a resolution helping you to avoid bankruptcy and providing a commercial return to the creditor. Conversely, you may decide that you would like to take advantage of a lower variable rate if you can accept the risk that rates may rise in future. Some of the benefits of a variable rate are that you can utilise an offset account, incorporate a redraw facility or make extra payments to your mortgage without penalty.

WHY WE ARE DIFFERENT

We specialise in finding a solution for our clients who are unable to meet the lending criteria of traditional lenders. With the three sections of the business working in unity our client’s enter ChapterTwo in financial distress and with some professional guidance, we are able to pave the way out of debt and into financial freedom.

OUR MORTGAGE SOLUTIONS

ChapterTwo has a specialised Mortgage Division that deal with unique situations, including purchases & investments, mortgage refinances and debt consolidation.

FINANCIAL PLANNING

We have partnered with Critique Private Clients to provide initial cash-flow and budgeting advice during the client’s hardship process. Once you are free from debt, we place you into a long-term plan into financial freedom.
  • - John

    - John

    “ChapterTwo & more specifically, Chris Mushan could not have done more for me in the last two years. He’s assisted me like I was family. I had a significant debt hanging over my head from two banks.

     

    I was literally sinking & worried how I was going to support my young family. ChapterTwo took my personal issues off my hands, negotiated on my behalf & essentially created a stress free life for the last 18 months. I was able to knuckle down & save to a plan rather than plan to save. I was able to pay off the significant debt within 18 months which otherwise would have taken me close to a decade. 

     

    There is no possible way I would now be debt free without the help & personal care from Chris and his team at ChapterTwo. These guys literally saved me. Do yourself a favour & contact ChapterTwo if you require financial relief.”

  • - Anabel Fidelino

    - Anabel Fidelino

    “Excellent service with great results!!! Contacting ChapterTwo is the best decision we’ve made when it comes to putting our finances in order. John Ingate and his team helped us with our refinancing a few months ago.

     

    Over the years, my husband and I accumulated considerable amounts of credit card debts and personal loans – ChapterTwo helped us out by consolidating all of our debts into one easy home loan repayment. They negotiated on our behalf with the banks that would give us the best option. They are very professional and transparent in all their dealings and keep us informed every step of the way. 

     

    Now, we can breathe easy. It’s like being given a fresh start, a clean slate-a new chapter! We highly recommend them. More power to you guys, we can’t thank you enough!”

WHAT WE DO

ChapterTwo’s unique business model specialises in Debt relief/negotiation, Debt Consolidation and Mortgage Broking. By connecting these three sections of the business, we assess and strategise solutions for individuals in financial distress.

HOW WE DO IT

We act as an intermediary between the debtors and creditors and negotiate a resolution helping you to avoid bankruptcy and providing a commercial return to the creditor. Conversely, you may decide that you would like to take advantage of a lower variable rate if you can accept the risk that rates may rise in future. Some of the benefits of a variable rate are that you can utilise an offset account, incorporate a redraw facility or make extra payments to your mortgage without penalty.

WHY WE ARE DIFFERENT

We specialise in finding a solution for our clients who are unable to meet the lending criteria of traditional lenders. With the three sections of the business working in unity our client’s enter ChapterTwo in financial distress and with some professional guidance, we are able to pave the way out of debt and into financial freedom.

OUR MORTGAGE SOLUTIONS

ChapterTwo has a specialised Mortgage Division that deal with unique situations, including purchases & investments, mortgage refinances and debt consolidation.

FINANCIAL PLANNING

We have partnered with Critique Private Clients to provide initial cash-flow and budgeting advice during the client’s hardship process. Once you are free from debt, we place you into a long-term plan into financial freedom.
  • - John

    - John

    “ChapterTwo & more specifically, Chris Mushan could not have done more for me in the last two years. He’s assisted me like I was family. I had a significant debt hanging over my head from two banks. I was literally sinking & worried how I was going to support my young family. ChapterTwo took my personal issues off my hands, negotiated on my behalf & essentially created a stress free life for the last 18 months. I was able to knuckle down & save to a plan rather than plan to save. I was able to pay off the significant debt within 18 months which otherwise would have taken me close to a decade. There is no possible way I would now be debt free without the help & personal care from Chris and his team at ChapterTwo. These guys literally saved me. Do yourself a favour & contact ChapterTwo if you require financial relief.”

  • - Anabel Fidelino

    - Anabel Fidelino

    “Excellent service with great results!!! Contacting ChapterTwo is the best decision we’ve made when it comes to putting our finances in order. John Ingate and his team helped us with our refinancing a few months ago. Over the years, my husband and I accumulated considerable amounts of credit card debts and personal loans – ChapterTwo helped us out by consolidating all of our debts into one easy home loan repayment. They negotiated on our behalf with the banks that would give us the best option. They are very professional and transparent in all their dealings and keep us informed every step of the way. Now, we can breathe easy. It’s like being given a fresh start, a clean slate-a new chapter! We highly recommend them. More power to you guys, we can’t thank you enough!”