Information for customers requiring financial assistance

Due to the current health situation we are receiving a high volumes of requests and our response times are currently higher than normal. During this time we thank you for your patience and apologise for any inconvenience if our service levels do not meet your expectations.

If you have a Resimac-funded loan, please click here.
If you have a loan funded by one of our wholesale funding partners (formerly Homeloans Ltd), please click here.  

Common types of assistance we support include:

  • Deferred repayments / repayment break
  • Converting your repayments from principal and interest to interest only
  • Reduced repayments
  • Long term repayment arrangements
  • Time to seek financial / counselling advice

Our team of specialists will work in partnership with you to determine the most suitable arrangement for you.


Note that if you have redraw available, it's our policy that these funds must be put towards your repayments before you can be eligible for financial hardship assistance*.


* Please note that financial assistance policies may vary for loans funded by our wholesale funding partners.

Should I apply for financial hardship assistance?

Financial hardship assistance can be an effective means to get through a short-term period of financial difficulty.

However, is it very important to be aware of the longer-term impacts. For example, if you are eligible for a repayment break, interest will continue to accrue on your loan meaning that your principal mortgage balance will increase. At the end of the period your loan repayments will be recalculated on the new loan balance over the remaining term, meaning your regular repayments will increase. So it is important to consider your long-term plans if considering this option.

As another example, if you temporarily switch to Interest Only repayments, your loan balance won’t change during the Interest Only period. However, as you have a shorter period to repay the balance of your loan your Principal and Interest payments will increase at the end of the Interest Only term.

It is very important to ensure you understand the longer-term impacts of financial assistance before proceeding.

Financial hardship assistance

We recognise that borrowers may from time-to-time experience financial hardship, or for whatever reason may have missed a repayment or be unable to make their upcoming repayment(s). The most critical action one should take in such a situation is be up-front about your situation. We have a dedicated team to assist clients with a Resimac loan, and from the range of options we have available to those experiencing hardship we will attempt to help find the most appropriate solution for your situation. We may have greater flexibility if you make contact with us early on.

Resimac-funded loans

If you are experiencing financial hardship and your loan is funded by Resimac.

Wholesale-funded loans

If your loan is funded by one of our wholesale funding partners (including Adelaide Bank, Advantedge, ING Direct, Macquarie, Origin, Calibre, Pepper, RedZed, RMT)
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