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Defer repayments

If you've lost your job or suffered loss of income (including rental income) as a result of COVID-19, you can apply to defer mortgage repayments for three months with an extension for a further three months after review.

Apply to defer repayments

Help for home loan customers

Westpac has supported Australia through the good and tough times for more than 200 years. Here's how we're helping home loan customers today.

Find out more

Give us a call

If you have any further questions regarding your existing home loan please call us on 13 13 76.

Call us on 13 13 76


Important information

The purpose of this calculator is to provide a guide about changes to repayments and interest charged based on the information you provided. The results from this calculator should be used as an indication only and it does not take into account your personal circumstances. The results generated by this calculator are subject to the following disclosures:

  • The calculation does not represent approval of the COVID-19 Home Loan repayment deferral package
  • The calculation is based on a Variable Rate loan with Principal and Interest repayments with no Interest Offset facility and assumes no additional repayments made before, during or after the deferral period.
  • The calculation is not suitable for a Fixed Rate loan, a Variable Rate loan with Interest Only repayments or a Line of Credit (Portfolio Loan).
  • The calculation assumes the current interest rate will remain constant for the remaining loan term and there is no Interest Offset facility. Your actual contractual minimum repayments may change due to a number of factors including (but not limited to) changes to your interest rate, loan term, loan or repayment type, as well as any additional repayments made.