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What are your options if you can’t afford to repay your mortgage?

  • Written by Laura de Zwaan, Senior Lecturer, School of Accountancy, Queensland University of Technology
What are your options if you can’t afford to repay your mortgage? Vitaly Gariev/Unsplash

After just three rate cuts in 2025, interest rates have risen again in Australia this year. It’s unwelcome news for many borrowers – particularly those still struggling with the increasing cost of living.

Currently, the average new loan size for owner-occupied homes is about A$736,000. On a 30-year mortgage this...

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