This general information does not replace an assessment of your circumstances or legal advice.
Your bond remains an obligation
A home loan is secured credit. Debt review does not erase the bond or ownership responsibilities.
Protecting a sustainable payment
The proposal must consider the home-loan instalment alongside rates, utilities, insurance and other essential household costs.
Check allocations
Retain statements and payment records. If an allocation appears incorrect, raise it promptly with supporting evidence.
What to do next
If debt repayments no longer fit after reasonable household expenses, gather accurate statements and request a confidential assessment. Asking for information does not automatically place you under debt review.
Get Your Free Debt Assessment →