Find mortgage and rates support information available to you during Covid-19.

If you require mortgage support services during Covid-19, there is a range of information which may help.

Government, Local Councils, local organisations, service providers and individuals offer a range of mortgage support services for people who need it when impacted by Covid-19. Look at Australia Wide and your state or territory to find out more.

Australia Wide Support

Find information to help you with Mortgage and Rates Support during Covid-19

Work out what you can afford

Work out your budget to so you can determine what you can afford. Use the below links to do your own budget. Click for more details. 

Financial Hardship

Contact your lender and speak to the Financial Hardship Team. Only agree with the creditors new payment plan if you can afford it. If you cannot  find the help you need consider a Financial Counsellor. For more information click the link.

Statement of Financial Position

If you are working with a Financial Counsellor or support worker, you may need to complete a Statement of Financial Position. You can see what this is by clicking below. This helps you understand what they need from you to help you.

Seek Financial Counselling

National Debt Helpline helps people in Australia tackle their debt problems. They offer access to helpful supports and free financial counsellors. Learn how they can help by clicking the link. 

Waiving Fees and Charges

You may be able to access waivers on fees and charges by talking to the Banks Financial Hardship Team or Financial Counsellor. For more details click the link below. 

A deferral of Loan Repayments

In some cases a deferral of your scheduled loan repayment can be considered. Again talk to your Banks Financial Hardship Team or your financial counsellor. For more details click here. 

Debt Consolidation

By consolidating your debts into one loan, you may find that the repayments are more manageable.  To do so talk to your bank or Financial Counsellor.  For more details click here. 

Interest Free / No Interest Increases

By negotiating with the Bank you can ask for an interest free period or a reduction in interest so you do not accrue more debt. Talk to your Banks Financial Hardhship Team.  For more details click here. 

Seek Legal Advice 

If you are struggling with debts and are not sure what option to take, you may wish to talk to a legal professional. For more details click here. 

What is Bankruptcy

In some cases you may consider Bankruptcy. There are legal and financial impacts of this decision. For more detailed information click below. 

You may need to sell

In some cases if you have positive equity in your home, you may be able to sell it and have funds to pay your debts or have a deposit for something else. For more detailed information click below. 

State Wide Support

Victoria

Rates Support in Victoria

Local Council Rates Vic

If you are struggling to pay your rates, talk to your local council and find out their Financial Hardship Policy. Consider - a realistic payment plan, you may get a concession or be able to defer payments. To find your local council click the link below.

CISVic Emergency Relief

Community Information & Support Victoria (CISVic) is the peak body representing local community information and support services. Our local services assist people experiencing personal and financial difficulties by providing information, referral and support services including Emergency Relief. Click for more.

South East Community Links

SECL Crisis Support (formerly known as Emergency Relief) service provides financial assistance for people experiencing unexpected financial hardship. Available to residents in the following postcode areas: 3169 Clayton South 3171 Springvale 3172 Springvale South 3173 Keysborough 3174 Noble Park 3175 Dandenong.  Click for more.

South Australia

Rates Support in South Australia

SA Local Council Rates

If you are struggling to pay your rates, talk to your local council and find out their Financial Hardship Policy. Consider - a realistic payment plan, you may get a concession or be able to defer payments. To find your local council click the link below.

ACT - Australian Capital Territory

Rates Support in the ACT

Community Councils ACT Rates

If you are struggling to pay your rates, talk to your local council and find out their Financial Hardship Policy. Consider - a realistic payment plan, you may get a concession or be able to defer payments. To find your local council click the link below.

New South Wales

Rates Support in New South Wales

NSW Local Council Rates

If you are struggling to pay your rates, talk to your local council and find out their Financial Hardship Policy. Consider - a realistic payment plan, you may get a concession or be able to defer payments. To find your local council click the link below.

Queensland

Rates Support in Queensland

Local Council Rates Queensland

If you are struggling to pay your rates, talk to your local council and find out their Financial Hardship Policy. Consider - a realistic payment plan, you may get a concession or be able to defer payments. To find your local council click the link below.

Northern Territory

Rates Support in Northern Territory

NT Local Council

If you are struggling to pay your rates, talk to your local council and find out their Financial Hardship Policy. Consider - a realistic payment plan, you may get a concession or be able to defer payments. To find your local council click the link below.

Western Australia

Rates Support in Western Australia

Local Councils WA

If you are struggling to pay your rates, talk to your local council and find out their Financial Hardship Policy. Consider - a realistic payment plan, you may get a concession or be able to defer payments. To find your local council click the link below.

Tasmania

Rates Support in Tasmania

Local Councils Tasmania

If you are struggling to pay your rates, talk to your local council and find out their Financial Hardship Policy. Consider - a realistic payment plan, you may get a concession or be able to defer payments. To find your local council click the link below.