Below is a list of options to consider to help you catch up on your mortgage payments. As none of the options below are certain to work, you MUST still make a repayment arrangement based on your income (see Chapter 6: Making a workable repayment arrangement).
There is no point selling your possessions, accessing your superannuation or getting further loans if you will need to sell your home anyway.
If you are considering refinancing your home loan be careful to avoid high cost, exploitative lenders.
Do not refinance if the repayments on the new loan will be higher than the repayments you are currently required to pay! You do not want to still be forced to sell your home a few months or years down the track, but after having lost all the equity (savings) you’ve built up through high interest and fees by refinancing into the wrong loan.