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Welcome to The Mortgage Stress Handbook
What this handbook is about
Should you try to keep your home?
If you decide to try to keep your home
  Get advice!
  Rearrange your finances
  Talk to your lender
  Apply for a hardship variation
  Use EDR (external dispute resolution)
  Get some extra money
  Change your lender
  Take legal action
What to do if …
If you decide to end your mortgage
Hardship variation applications
Stay applications in the Supreme Court
Letters and forms
Useful contacts
Glossary of terms

If you decide to try to keep your home

This section discusses some options that might help you deal with your mortgage problems.

The options are listed in a logical order, with the simplest options first. But you can read them in any order. And you don’t have to choose just one. Some or all of them may be of use to you in your particular circumstances, or at different times.

If, after reading and considering these options, you decide that you cannot afford to keep your home after all, see If you decide to end your mortgage.

If your mortgage is covered by the Consumer Credit Code, you will have more options. For information about the Code, click here.

Related Topics

Get advice!
Rearrange your finances
Talk to your lender
Apply for a hardship variation
Use EDR (external dispute resolution)
Get some extra money
Change your lender
Take legal action

Legal Aid NSW New South Wales Coat of Arms
New South Wales Government