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This handbook is a practical guide for people having trouble with their mortgage. Getting behind on your repayments for a home loan is stressful. This handbook will help guide you to get a repayment arrangement in place with your lender. It explains your options and it has sample documents you can use and a list of useful contacts.
This 2024 publication is the 5th edition of the Mortgage Stress Handbook. It was written by the Financial Rights Legal Centre and Legal Aid Commission of NSW. The Mortgage Stress Handbook was first published in 2009 by Legal Aid NSW.
The Handbook is also available online at Legal Aid NSW where you can order a free copy.
Financial Rights acknowledges Aboriginal and Torres Strait Islander peoples as the traditional owners and celebrate the diversity of Aboriginal peoples and their ongoing cultures and connections to all lands and waters. Financial Rights acknowledges the Gadigal people of the Eora Nation as the traditional owners and custodians of the land on which our main office is located. We pay our respects to Elders past and present and future traditional custodians and Elders of this nation and the continuation of cultural, spiritual and educational practices of Aboriginal and Torres Strait Islander peoples.
Aboriginal and Torres Strait Islander peoples should be aware this website may contain images or names of people who have passed away.