Case Studies
Real ChapterTwo clients. Real outcomes. First names used for privacy.
Start Your RefinanceClient Outcomes
Every case is genuine. Numbers, lenders and outcomes are drawn from settled files.
Adam
13 debts consolidated, mortgage brought back up to date • Property value $520,000
Before
- Existing mortgage:$273,000 (2.5 months in arrears)
- Debts consolidated:13 x debts totalling $88,682.22
- Debt types:Personal loans, credit cards, BNPL, rates, utilities
After
- New mortgage:Bluestone Specialist+ $387,160
- LVR:74.45%
- Monthly outgoings reduced:~$1,109.02 per month
Benefit: 14 separate payments consolidated into one. All overdue utility and bill defaults brought completely up to date, with an outstanding default to Pioneer Credit updated to "PAID".
How we got there
- 1Household was stuck in the debt cycle for over 12 months, relying on BNPL and credit facilities to cover debt repayments and basic living expenses.
- 2Bluestone Specialist+ provided a temporary refinance solution to tidy everything up, consolidate all household debt and update the default status.
- 3Over the next six months, the applicants are focused on money management in preparation for a second refinance to a more competitive lender.
"I cannot thank ChapterTwo enough. I was on the brink of disaster, I got myself into a very bad place with small loans and BNPL — I couldn't keep up with payments. ChapterTwo made the process of consolidating my debts stress free. Professional and kind. Easy. Thank you Thomas and team. You saved a family today."
Camelia
Refinanced on WorkCover income with $110K cash-out • Property value $1,030,000
Before
- Existing mortgage:RAMS $420,000 @ 5.69%
- Debts consolidated:4 x credit cards totalling $34,000
After
- New mortgage:Pepper Near Prime Clear $590,000 @ 6.74%
- Cash-out unlocked:$110,000 (2 vehicles + caravan)
Benefit: All household debt consolidated plus $110,000 cash-out at a home-loan rate for two new vehicles ($70K) and a caravan ($40K) — with monthly repayments approximately the same as the previous mortgage and credit cards combined.
How we got there
- 1Camelia had a workplace incident that left her unable to work and receiving WorkCover payments only. She was concerned no lender would accept this income for servicing.
- 2The household was overcommitted with multiple creditor repayments, and their family car had broken down with no way to fix it.
- 3Through our relationship with Pepper, we navigated an exception approval that met and exceeded the applicants' goals.
"Thomas from ChapterTwo was absolutely amazing to deal with. Given our circumstances, our loan was not a straightforward process, but Thomas went above and beyond to help us through it. He was patient, understanding, professional, and communicated clearly every step of the way. It genuinely felt like Thomas cared about getting the best outcome for us, not just completing a transaction. We would not hesitate to recommend him and ChapterTwo to anyone needing finance help."
Michael
16 debts consolidated including tax, ATO and Centrelink debt • Property value $984,984.39
Before
- Existing mortgage:Orde Financial $607,161.18 @ 6.69%
- Debts consolidated:16 x debts totalling $150,330.01
- Includes:Personal loans, credit cards, BNPL, rates, fines, ATO, Centrelink
After
- New mortgage:Bluestone Specialist+ $787,396.52 @ 9.24%
- Defaults updated:3 x defaults ($44,281) marked PAID
Benefit: 17 separate payments consolidated into one monthly payment. All outstanding bills, utilities, ATO and Centrelink debt brought completely up to date.
How we got there
- 1The applicants were stuck in the debt cycle, working multiple jobs to try and stay on top of everything — nothing was working.
- 2A combined $44,281 outstanding across three defaults was impacting eligibility with mainstream lenders.
- 3Bluestone Specialist+ provided a temporary refinance solution to consolidate all debt and update the three default statuses from outstanding to paid.
- 4ChapterTwo looks forward to working with the applicants on a second refinance to a lower-rate lender after six consecutive months of on-time payments.
Tipene
Debt consolidated and $25K unlocked for renovations
Before
- Existing mortgage:$395,000 @ 6.14% — $2,431/mo
- Creditors:$49,000 — $1,115/mo
- Total monthly:$3,546/mo
After
- New mortgage:Pepper Prime $475,000 @ 6.74%
- New repayment:$3,077.68/mo (single payment)
- Cash-out:$25,000 for renovations
Benefit: Creditors consolidated, $25,000 unlocked for home renovations at a home-loan rate, and total monthly outgoings reduced by roughly $468/month.
How we got there
- 1Tipene wanted to tidy up creditor debt and fund essential renovations without stretching the household budget.
- 2Pepper Prime accepted the full picture, allowing a clean consolidation plus cash-out into a single repayment lower than the previous combined outgoings.
Oliva
Arrears cleared, creditors consolidated, $35K cash-out
Before
- Existing mortgage:$547,000 @ 6.69% — $3,712/mo (in arrears)
- Creditors:$50,000 — $1,190/mo
After
- New mortgage:Bluestone Specialist $655,000 @ 8.74%
- New repayment:$5,148/mo (single payment)
- Cash-out:$35,000
Benefit: Mortgage arrears cleared, creditors consolidated and $35,000 cash-out delivered — with a clear plan to refinance to a more competitive lender once the credit file recovers.
How we got there
- 1Oliva's mortgage was in arrears and mainstream lenders wouldn't consider a refinance.
- 2Bluestone Specialist provided a temporary solution that consolidated household debt, cleared arrears and unlocked $35K of cash-out — with the strategy of stepping down to a lower rate once the credit profile improves.
Ready to Write Your Success Story?
When banks say no, we find a way. Talk to a specialist about your situation today.
Start Your Journey