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What happens if I defer my loan repayments?

Based on your circumstances, you can defer your home loan repayments for an agreed time. If you choose to do this, interest and fees will still be added to your loan balance during that time.

A payment pause or deferral will not show as missed payments in your credit report. To learn more about your credit score and credit report visit CreditSmart.

Once the deferred period finishes, we’ll work with you on a plan to repay the amount you’ve deferred. This might involve increasing your minimum repayments for the deferred period, or extending the term of your loan.

As always, we’re here to help discuss your options and how they’ll affect you.

Once the deferred period finishes, we will contact you to ask whether your situation has improved, and will discuss further assistance if required. When your arrangement ends, the following options are available:

  • You can repay any outstanding repayment amount, if any
  • You can make a repayment plan to pay any outstanding arrears over an agreed period of time
  • We can recalculate the repayments of the loan
  • We can extend the term of your loan

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Before taking up any of Delphi Bank's products or services you should consider if they are appropriate for you. Delphi Bank recommends that you read the respective Terms and Conditions and other Disclosure documents before deciding to acquire or use any of the Bank's products or services. These documents can be obtained at any of our branches or on our website
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