Having trouble with your repayments?

If you're having trouble making your home loan repayments and think you might miss a payment, talk to us as soon as possible about how we might be able to help.

How we could help

The exact support we can offer you will depend on your personal circumstance. This could look like:

  • Reducing your repayments to the minimum regular amount

  • Restructuring your loan

  • Extending your loan term

  • Temporary interest-only repayments

Restructure and reduce your repayments

If your circumstances have changed and you can't manage your regular repayments, we might be able to restructure your home loan and lower your minimum repayments, if your repayments are set higher than the minimum required currently.

You may be able to extend your home loan term, which will reduce your regular home loan repayments. You'll end up paying your home loan over a longer term which will increase your overall cost of borrowing, however, you'll still be paying off principal on your loan.

Temporary interest-only repayments

During this time, your home loan balance will remain the same as you'll just be paying the interest on your home loan. Although your short-term financial obligations reduce, the lifetime cost of borrowing will increase as a result of you delaying the repayment of your principal.

At the end of your interest-only period, your home loan repayments are increased so that you still repay your home loan over the original term, or a term extension is arranged to keep your repayments the same as what they were prior to the interest-only term.

Get in touch

We have home loan tools and teams to help you if you're having trouble making your repayments. Please don't be afraid to talk to us - the sooner you do, the sooner we can work out what we can do to help.

Repayments & structuring calculator

Use our repayments & structuring calculator to compare different term loan structures, interest rates and repayment amounts.

Calculate now

Call us

Give our home loans team a call between Monday - Friday, 8am - 6pm.

Phone 0800 000 654 or +64 4 803 1649 if you're overseas.

Financial hardship

If you’re in financial difficulty, we're here to help. See our financial hardship page for more information.

Find out more