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What to do when you are behind on your home loan payments

If you are behind on a home loan repayment, it is important to act quickly and not ignore the situation. You are more likely to have a better outcome if you address the problem as soon as possible.

If you are behind on a home loan repayment, you may have options including:

  • Applying for a hardship variation;
  • Applying to postpone enforcement proceedings;
  • Refinancing the loan; and
  • Negotiating for time to sell the property.

What other support is available?

  • Please see our Have you missed payments on your home loan? fact sheet or contact our advice line on (08) 9221 7066.

  • If you have missed a repayment, you are in default and your lender may send you a default notice. Click here to read our Default Notices Fact Sheet.

  • Financial Counsellors also offer a free, non-judgemental service to consumers experiencing financial hardship.  You can find out more about financial counsellors, their services and book an appointment through the National Debt Helpline 1800 0074 007.

  • If you have received legal or court documents from your lender, you may be at risk of losing your home and you should contact us urgently.

Information on our website is provided for information only and is not legal advice. If you would like legal advice, please message us using the form below for a confidential discussion, or scroll down to see other ways to reach us.

If you would like further advice, please message us using the form below for a confidential discussion, or scroll down to see other ways to reach us.

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