We’re here to help you
If you’re finding it hard to keep up with your home loan repayments, whether you're dealing with job loss, illness, unexpected expenses or other challenges, we’re here to help.
We encourage you to reach out as early as possible. The earlier you contact us, the sooner we can work with you to understand your situation and consider the financial assistance available.
Reaching out is free and confidential, won’t affect your credit score and is the best first step towards getting the help you need.
Watch our video to learn more.
Financial assistance for your home loan
We understand that financial situations can change quickly. If you are or anticipate having trouble making your home loan payments, we want to work with you to find a solution. We’ll take the time to understand your situation and assess whether this support is suitable.
Accessing available funds
If you’re ahead on your home loan repayments or paying more than the minimum, you may be able to adjust your payments using the NAB app. We can also discuss whether you can access funds through your offset account or redraw facility. We’ll take the time to understand your situation to determine if this option may be suitable for you.
Flexible payment arrangement
This option allows you to make partial repayments for a limited time, usually starting with one or two months. We’ll talk through what this means for your circumstances and help you understand the implications. We’ll take the time to understand your situation to determine if this option may be suitable for you.
Interest only payments
For eligible home loans, we may be able to temporarily switch your repayments to interest only. This means you’ll only pay the interest charged on your outstanding balance, not the principal. We’ll take the time to understand your situation to determine if this option may be suitable for you.
If you’re a business customer with a home loan, please refer to the Business financial assistance page.
Payment break
If you're unable to make repayments for a few months, we may be able to offer a temporary payment break. This is typically available for up to three months. Interest will continue to be charged as usual. At the end of the payment break, you will need to repay the total amount that was not paid during that time. When you contact us, we will ask about your circumstances and explain what this option could mean for you. We will take the time to understand your situation and assess whether this support is suitable.
How to get support
Whether you need short or long term financial assistance or something more specific, our range of compassionate teams are ready to speak with you and provide tailored support.
Short-term payment assistance
For situations where you’ve recently missed a payment or anticipate missing an upcoming one, short-term financial assistance may be able to be provided.
Call the NAB Assist team on 1300 661 114
International Phone Number: +6138 6419 142
Monday to Friday, 8:00am to 8:00pm (AEST/AEDT)
Saturday, 9:00am to 1:00pm (AEST/AEDT)
Ongoing financial hardship support
If your circumstances have changed and are affecting your ability to keep up with payments over time, tailored financial assistance may be able to be provided.
Call the NAB Care team on 1800 701 599
Monday to Friday, 8:00am to 8:00pm (AEST/AEDT)
Saturday, 9:00am to 1:00pm (AEST/AEDT)
Online financial assistance
You can submit a financial assistance request through NAB Internet Banking or the NAB app. Once submitted, our dedicated team will follow up with a phone call to discuss your situation.
Speak to home loan specialist
If you have questions about a new or existing home loan, including inquiries regarding interest rates, refinancing or features such as offset accounts, a dedicated team is available to assist.
Speak to a home loan expert on 13 22 65
Monday to Friday, 8:00am to 7:00pm (AEST/AEDT)
Saturday to Sunday, 9:00am to 6:00pm (AEST/AEDT)
Visit our home loans page for more information.
Tools and resources
Wherever you are in life, find the tools and resources that make managing your money easier.
How to manage changing interest rates
Read our practical strategies to help you manage the rising cost of living.
Manage your home loan repayments while on parental leave
Consider these options to help you manage your home loan repayments while on parental leave..
Setting up your home loan to help save you money
Check that your home loan is set up properly, whether you’ve had your loan for one day or five years. It could save you money in the long run.
Home loan repayment calculator
Compare your loan amount with other factors to estimate your minimum loan repayments.
Paying off your home loan
Get excited about your financial future. Find out what's next when you pay off your home loan.
Equity loan calculator
Evaluate your home’s equity and see how you could make it work for you.
Frequently asked questions
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Once your account falls behind, expect to receive contact from NAB through phone, letter or SMS. This is us trying to reach you to understand if your situation has changed and discuss options that be suitable for situation.
We encourage you to get to get in contact with us as soon you can, to avoid any missed payments being reported on your credit report.
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Entering into a hardship arrangement does not affect your credit score. Your credit report will show you have had hardship on your account. This is something called a Financial Hardship Indicator and is on your credit report for 12 months. It will not include the reason for the arrangement.
If you miss repayments and do not enter an arrangement your credit score may be negatively affected.
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Yes. Interest continues to be charged while you are in a hardship arrangement.
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Redraw is a feature available on NAB variable rate home loans. If you have a redraw facility and you have made extra repayments, you may be able to access those funds. The amount available depends on how far ahead you are on your scheduled repayments and will be reduced by one repayment.
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An offset account links a transaction account to your variable rate home loan. It uses the money in that account to ‘offset’ your loan balance. The more money you have in your offset account, the less interest you pay on your home loan.
Financial assistance for your needs
Support for the products you rely on, when you need it most.
Credit card and personal loan financial assistance
If you’re having trouble keeping up with your payments on your credit card, personal loan or NAB Now Pay Later products, we’re here to help.
Business financial assistance
If your business is under financial pressure, we have support options to help you through.
Extra support when you need it
We understand that life can be challenging sometimes. That’s why we offer support for a range of situations.
Disaster relief and support
NAB Ready Together can help if you’re affected by a natural disaster.
Supporting people experiencing domestic and family violence
We're helping customers keep their finances safe and access support services.
How to detect and avoid elder financial abuse and get help
Elder financial abuse can happen to anyone. Learn how to detect it, and avoid it.
Unplanned life moments
Sometimes things don’t go to plan. Divorce, illness or job loss can be unexpected. Here are some tools and guides to help.
Restrict gambling transactions on your NAB cards
Our gambling restriction allows you to block most gambling transactions on your personal NAB Visa Credit and Debit cards.
Customer Care Kit
A guide to trusted organisations that offer free financial counselling services and community support.
Accessible help for everyone
We offer a range of accessible services to help you access the right support, in the way that works best for you.
External support
Access support from our specialised external partners for tailored advice and additional assistance.
Moneysmart , opens in new window
Moneysmart is an Australian Government initiative offering free tools, tips and guidance to help you take control of your money.
National Debt Helpline , opens in new window
A not-for-profit service offering free, independent and confidential financial counselling to help you manage debt and get back on track.
Way Forward , opens in new window
A not-for-profit organisation that helps people doing it tough financially to manage and repay debts, especially across multiple banks, by working directly with lenders on your behalf.
Get in touch
Visit a NAB branch
Visit your nearest NAB branch to speak to us in person.
Give us feedback
Suggestions, compliments and complaints.
Request financial hardship assistance online
If you’re having trouble making repayments, you can request assistance via our online form.
Important information
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