Options available.


Reduce your existing repayments on your loan

If you’re currently paying above the minimum repayment amount on your home loan, you can reduce your repayments back to the minimum repayment amount at any time.
See how

Extend the term of your loan

If your original loan term was less than 10 years, you may be able to apply to extend your loan term to a maximum term of 10 years*. This will have the effect of reducing your regular repayments. However, please note that if you extend your loan term, you will pay more in interest over the term of your loan and it will take you longer to pay off your loan.
*10 year maximum loan term calculated from the start date of your loan

Personal loan repayment deferral

Depending on your circumstances, you may be eligible to apply to defer your personal loan repayments for a certain period, which means you will not be required to make any repayments on your loan for that period. However, as interest will continue to be charged on your loan during the deferral, you’ll pay more in interest over the term of your loan.

If you would like to talk to us about any of these options, please contact us on 0800 606 606 Monday to Friday 8am to 6pm.

Consider debt consolidation

If you have debts elsewhere, debt consolidation* might be a consideration to assist you with managing cashflow. If you’re interested, please call us on 0800 177 277.
*Applications are subject to normal lending criteria.

Dealing with financial difficulty.

Your financial wellbeing is important to us, so we’ve pulled together a range of tips and tools to help get you through difficult times. Here are some independent resources that can help you manage your money.