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.

Request financial assistance

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.

Free, independent and confidential financial counselling

Financial counsellors offer free, independent and confidential advice to help you better manage your money and get you back on track. 

A financial counsellor may be able to speak directly with NAB and other lenders on your behalf, so you don’t have to manage conversations with multiple banks or service providers yourself.

Tools and resources

Wherever you are in life, find the tools and resources that make managing your money easier.

Credit reporting

Your credit history reflects how you manage debt and affects future borrowing.  Learn what shapes your credit score and how to improve it.

Frequently asked questions

  • 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.

  • 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.

    Understanding your credit report.

  • Yes. Interest continues to be charged while you are in a hardship arrangement.

  • 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.



    Learn more about home loan redraw.

  • 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.

    Learn more about offset accounts

Financial assistance for your needs

Support for the products you rely on, when you need it most.

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.

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.

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