ChapterTwo

ChapterTwo, specialist mortgage brokerage in Sydney

ChapterTwo is a mortgage brokerage firm based in Sydney that presents itself as a specialist in complex situations. Its activity focuses on mortgage refinancing, debt consolidation and private lending solutions for profiles that do not fit traditional banking criteria, such as self-employed workers or applicants with damaged credit histories. The company operates under Australian Credit Licence 531408 and its holding company is Chapter Two Holdings Pty Ltd, with ABN 45 607 596 449.

According to its own presentation, the firm was established in 2015 and has accumulated more than a decade of experience in specialist lending. It works with a panel of more than 40 lenders and has been nominated in 2024 and 2026 in the Broker of the Year - Specialist Lending category at the Australian Mortgage Awards.

Refinancing and debt consolidation

The core of its offering is mortgage refinancing, aimed at securing better rates and terms by leveraging its lender network. Debt consolidation is presented as the transformation of high-interest liabilities — credit cards, personal loans and other obligations — into a single, more manageable mortgage repayment. Among the advantages the firm attributes to this approach are reduced interest costs, simplified monthly payments, the use of property equity to pay off expensive debts and the potential improvement of the credit profile by lowering credit utilisation.

The company also offers specific solutions for tax and business debts, as well as private loans with settlement within seven days when conventional lenders decline the application.

Client profiles and products

ChapterTwo structures its catalogue around several segments:

• Refinancing: mortgage refinancing, debt consolidation, cash-out options and home equity loans.
• Damaged credit history: mortgages for clients with bad credit or defaults, refinancing with non-bank lenders and private loans for profiles with impaired credit.
• Self-employed and low-doc: mortgage loans for self-employed workers, low-doc products, tax and business debt consolidation and loans for atypical employment situations.
• Private and development loans: private funding solutions and financing for property development projects.
• Purchase and investment: investment loans, home purchase with no deposit or low deposit, guarantor loans, trust loans, lenders mortgage insurance (LMI) waiver and fixed-rate loans.
• Professionals and expatriates: mortgages for doctors and lawyers, expatriate loans and non-resident loans.

Refinancing process

The firm describes a seven-stage process: assessment of goals and eligibility; collection of financial documentation; comparison of lenders and selection of the most competitive offer; submission of the application; conditional approval; signing of the loan documentation and formalisation; and enjoying the new terms. The company states that its team handles the rest of the process once the application is completed.

Resources and tools for the Australian market

ChapterTwo publishes guides and resources aimed at the Australian mortgage market, including materials on the interest rate environment, a full breakdown of refinancing costs, cash-out options, tips for improving your credit score, property market data and analysis, and a frequently asked questions section. It also offers a refinance savings calculator which, as the website itself warns, is an illustrative tool: the rates and repayments shown are examples entered by the user and do not constitute an offer, quote or available product.

Office and contact

The company operates from its office on level 6 of 56 Pitt Street, Sydney (NSW 2000), and offers a contact phone number and email address for enquiries. Its activity is regulated by Australian Credit Licence 531408.

Location and contact

Level 6, 56 Pitt St Sydney NSW 2000 · Phone: 1300 344 433 · Email: finance@chaptertwo.com.au