Are you in the red? No money coming in? Get yourself back in the black, reduce your debt and save your credit rating. We can help you reduce your interest though mortgage refinancing and debt consolidation.

We provide a service that identifies, assesses and strategises solutions for individuals, SME’s or corporations in financial distress with the aim of reaching a commercial and equitable outcome for the provider of credit, whilst reducing the full effects of insolvency or bankruptcy on Australians.

Best of all, Chapter Two quotes upfront so that the cost to you is completely transparent. Trust in Chapter Two, we have the experience and expertise to get you out of the tough financial situation you find yourself in.

We are able to consolidate your debts through a mortgage refinance. While this will make your mortgage larger, you will have a lower interest rate across your debts. We can then help with a budgeting program to enable you to pay back your debts and save thousands in interest.

That why at Chapter Two we offer a debt negotiation service, with the aim of keeping you afloat and getting your life back on track. We have helped hundreds of people across Australia achieve financial security through our debt management solutions.

If you are looking to eliminate debt from your life, then trust the experience and expertise of Chapter Two. Call us today and get yourself out of the red.

Don't hide your head in the sand any longer. If you or your company is facing tough financial times then Chapter Two can help you. Find out about our solutions for debts of all size by calling today.

Setting us apart from the rest, we view formal bankruptcy and insolvency as a last resort. Instead we focus on more effective, informal custom solutions that will help you regain control of your financial situation.

We have helped countless individuals, SME’s and corporations. We negotiate a reduced full and final settlement, arrange reduced payments and lower interest, whilst aiming to keep your credit rating intact. Let us help you.

When debts pile up there are ways you can make it easier on yourself. One way is by refinancing your mortgage to make it easier to make monthly repayments. By refinancing your home loan, you are able to consolidate your debts and bring them into your home loan giving you a lower interest rate than when you are paying credit card or other high interest repayments.

Of course consolidating your debts into your mortgage involves increasing your mortgage which is why you should consider this very carefully.

Talk to Chapter Two about coming up with a debt repayment solution to make debt consolidation worthwhile for you. We will also be able to negotiate on your behalf, bringing your debts down so there is less to pay off.

When you are looking to consolidate your debts into one easier payment, it is a good idea to talk to someone about negotiating your debts with your creditors. This could mean lower debts and a better interest rate in one.

Get your debts reduced and consolidated through Chapter Two. We ensure you get the best rates and negotiate your debts on your behalf to reduce your debt. We reduce the risk of black marks against your credit score to make sure you have access to lending in the future.

Before declaring bankrupt or entering a debt agreement, call Chapter Two to find out how we can help you to reduce your debt while giving you the ability to borrow in the future.