★ 4.9 from 190+ verified reviews
ATO & BUSINESS DEBT.
If you own your home, you may be able to roll ATO debt, business loans and overdrafts into one manageable repayment — freeing up cash flow and keeping both the business and the house. A quick capacity check shows what's possible.
Watch: how it works in 90 seconds.
It's just an enquiry — no credit check, no obligation.
For Australian homeowners. Consolidating through a home loan requires property ownership. If we can't help, we'll tell you straight — and point you to free support.
Rated 4.9/5 by 127 customers on Trustpilot
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An ATO payment plan here, an overdraft there, a business loan at 14%, personal guarantees hanging over everything. Every month you service it all and the cash flow never breathes. You own your home, you've got equity — but the bank sees "tax debt" and shuts the door. Specialist lenders don't. The debt can be restructured into one lower repayment, against the asset you already own.
typical credit card rate
separate repayments the average client arrives with
average saving for clients consolidating multiple debts*
*estimate; individual results vary.
Here's what makes people furious: it's usually not because you don't earn enough, or the equity isn't there. It's because they see tax debt, not the equity behind it.
Most people are only ever assessed by one big bank, built to reject anything outside its narrow box. But there's a whole network of specialist lenders in Australia who read the same file completely differently. They look at your equity, your income, and whether you can afford the repayment today — not a code from the past. We work with 30+ of them, and matching your exact situation to the right one is what we do all day.
You're not a risk. You're a good borrower who hit a rough patch — and that's exactly who we help.
It's just an enquiry — no credit check, no obligation.
It's just an enquiry — no credit check, no obligation.
Answer a few quick questions (about 30 seconds). No credit check, no obligation.
We put it in front of the right one of 30+ specialist lenders. One targeted submission, no wasted credit enquiries.
A real Chapter Two broker walks you through your options and what your new repayment could look like. No obligation.
Every one of these was told 'no' somewhere else first.
Before: mortgage $607k @ 6.69% + 16 separate debts totalling $150,330 (personal loans, cards, BNPL, rates, fines, ATO, Centrelink), 3 defaults outstanding.
After: consolidated into one loan; 17 payments became one; all bills, ATO and Centrelink brought up to date; 3 defaults ($44,281) marked PAID.
Next: refinance to a lower-rate lender after 6 months on-time.
Before: mortgage $273k, 2.5 months in arrears, 13 debts totalling $88,682.
After: all consolidated into one manageable repayment, mortgage back on track.
"You saved a family today."
Before: mortgage $395k @ 6.14% ($2,431/mo) + creditors $49k ($1,115/mo) = $3,546/mo.
After: single home-loan repayment + $25,000 cash-out for renovations, total outgoings down ~$468/month.
Consolidated all household debt PLUS unlocked $110,000 at a home-loan rate (two vehicles + a caravan) with repayments about the same as before.
Real Chapter Two client outcomes. Individual results vary. Estimates are not a guarantee of approval or savings.
It's just an enquiry — no credit check, no obligation.
Judges you on
A big bank: One credit score
Chapter Two: Equity, income & ability to repay
Lenders considered
A big bank: 1 (theirs)
Chapter Two: 30+ specialist lenders
Defaults / arrears / hardship
A big bank: Usually an automatic no
Chapter Two: Assessed case-by-case, no judgement
Self-employed / low-doc
A big bank: Hard
Chapter Two: Welcome
If declined
A big bank: "Come back in 6 months"
Chapter Two: A plan you can act on now
The check
A big bank: Full application, credit hit
Chapter Two: 30-second enquiry, no credit check
It's just an enquiry — no credit check, no obligation.
We specialise in one thing: helping homeowners the banks turn away. Real brokers — Chris, Thomas, Tracey and the team — who deal with complex files every single day, not once a month between standard home loans.
93% are 5-star. Verified across Trustpilot & Google.
It's just an enquiry — no credit check, no obligation.
It's just an enquiry — no credit check, no obligation.
Prefer to talk? book a time that suits — or we'll call you within 24 hours.