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What to do if you're having trouble with home loan repayments

What do I do if I cannot make a payment?

We understand that financial circumstances can change, and we will do our best to help if you're having trouble with your home loan repayments.

Please call us on 1800 092 536 immediately to discuss your circumstances and see if we can come to an arrangement. We may be able to restructure your payments or work out a payment plan to help you manage your loan, on a case-by-case basis.

We have policies and resources to help customers experiencing financial hardship, including a relief package in the event of a natural disaster. Read more about:

  • Eligibility for financial assistance
  • How to get help from ANZ
  • Self-help tools to help you get back on track

If you've gone through the information provided and believe you're eligible for financial assistance, you can then submit an application online.

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the Terms and Conditions and Product Disclosure Statement, which are available at or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product.