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Helping you through COVID-19

You can request financial assistance support by contacting our Mortgage Help Centre.

Explore your options

COVID-19 has impacted people all around our country, and indeed the world.

We’re committed to supporting our customers through these challenging times as much as we possibly can.

Please use the resources on this page to help you make the most of the assistance we can provide to you.

You’ll find a number of tools including a video, a calculator and an online form to help ensure you’re receiving the most appropriate support available for your needs.

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Let our online calculator help you

To help you understand the impact of possible changes to your repayments as part of a COVID-19 assistance package, you may like to use our online calculator. Please keep in mind the calculator is an indicative tool only and doesn’t take into account your detailed personal circumstances.
  • 1
    Step 1
    Update your loan details.
  • 2
    Step 2
    Compare your options to see if deferring and/or extending the loan term will help you.
  • 3
    Step 3
    Complete the online form to let us know your intentions.

If I defer payments, how will my loan be affected?

The calculator can help answer that question. Simply fill in the amount of your loan remaining, your current interest rate, and the time that was remaining on your loan at the beginning of your assistance. This will give you an idea of the impact on your loan of receiving assistance.

Let us know if your circumstances have changed.

Things you should know

The results of this calculator are a guide only. They are not a quote, credit approval or offer of credit. The results are not advice on how much you can or should borrow, which deferment option you should choose, the product features or options, or about making extra payments.

The calculation is not an approval of any repayment relief package.

It is based on a Variable Rate loan with Principal and Interest repayments, no linked Offset account and assumes no additional repayments made before, during or after the deferral period.

The calculation does not apply to a Fixed Rate loan, a Variable Rate loan with Interest Only repayments or a Line of Credit.

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.

The results assume regular scheduled payments and that the interest rate does not change, and do not include any discount period.

Interest rates are subject to change except during a fixed rate period.

The calculation does not include any fees/charges that may apply under the terms and conditions of the product.

You should speak to us or obtain professional advice about a loan that meets your requirements and objectives.

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Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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