Financial counselling is an option for consumers struggling with mortgage payments. It is a free service funded by state and federal governments, and is open to anyone who is struggling financially.

They see people from all walks of life and include consumers who have debts due to over commitment of spending or borrowing, who are going or been through relationship breakdowns, sickness, DV or loss of income due to redundancy, unemployment or under employment.

Financial counsellors are non-judgmental, qualified professionals who provide information, support and advocacy to people in financial difficulty.  Best of all their services are free.  You can find a financial counsellor through the National debt hardship line 1800 007 007 or visit the website