{"id":2062,"date":"2026-09-08T12:54:05","date_gmt":"2026-09-08T12:54:05","guid":{"rendered":"https:\/\/dailybasisnews.com\/designs\/we-buy\/?page_id=2062"},"modified":"2026-10-07T12:27:35","modified_gmt":"2026-10-07T12:27:35","slug":"how-to-avoid-mortgagee-sale","status":"publish","type":"page","link":"https:\/\/dailybasisnews.com\/designs\/we-buy\/how-to-avoid-mortgagee-sale\/","title":{"rendered":"How to Avoid Mortgagee Sale"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2062\" class=\"elementor elementor-2062\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b4e9908 e-flex e-con-boxed e-con e-parent\" data-id=\"b4e9908\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8ce88b3 e-con-full e-flex e-con e-child\" data-id=\"8ce88b3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8dc95b2 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"8dc95b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Facing Mortgage Arrears or a Mortgagee Sale?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ec53fb elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"9ec53fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you\u2019re behind on payments or facing a mortgagee sale, we can help you understand your options and explore a private sale before the situation goes further \u2014 no pressure, no obligation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fb36cf4 e-con-full e-flex e-con e-child\" data-id=\"fb36cf4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5095ac0 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"5095ac0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get Your Free Property Assessment<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0fad1da elementor-widget elementor-widget-text-editor\" data-id=\"0fad1da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Tell us about your property \u2014 it takes about 2 minutes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc47293 elementor-widget elementor-widget-shortcode\" data-id=\"dc47293\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f7-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"7\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/designs\/we-buy\/wp-json\/wp\/v2\/pages\/2062#wpcf7-f7-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"7\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.7\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f7-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"custom-cf7-form\">\n\t<div class=\"cf7-row\">\n\t\t<div class=\"cf7-col\">\n\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Full Name\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<div class=\"cf7-col\">\n\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"E-mail\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"cf7-row\">\n\t\t<div class=\"cf7-col\">\n\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-text wpcf7-validates-as-tel\" aria-invalid=\"false\" placeholder=\"Phone Number\" value=\"\" type=\"tel\" name=\"your-phone\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<div class=\"cf7-col\">\n\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"price-expectations\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Your price expectations?\" value=\"\" type=\"text\" name=\"price-expectations\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"cf7-row full-width\">\n\t\t<div class=\"cf7-col\">\n\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"address\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Address\" value=\"\" type=\"text\" name=\"address\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"cf7-row full-width\">\n\t\t<div class=\"cf7-col\">\n\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"city\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"City\" value=\"\" type=\"text\" name=\"city\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"cf7-row full-width cf7-recaptcha-row\">\n\t\t<div class=\"cf7-col\">\n\t\t<span class=\"wpcf7-form-control-wrap recaptcha\" data-name=\"recaptcha\"><span data-sitekey=\"6Lfi1cEtAAAAANzn8U1CB7bW0wA7-L703ZGYvyIn\" class=\"wpcf7-form-control wpcf7-recaptcha g-recaptcha\"><\/span>\r\n<noscript>\r\n\t<div class=\"grecaptcha-noscript\">\r\n\t\t<iframe src=\"https:\/\/www.google.com\/recaptcha\/api\/fallback?k=6Lfi1cEtAAAAANzn8U1CB7bW0wA7-L703ZGYvyIn\" frameborder=\"0\" scrolling=\"no\" width=\"310\" height=\"430\">\r\n\t\t<\/iframe>\r\n\t\t<textarea name=\"g-recaptcha-response\" rows=\"3\" cols=\"40\" placeholder=\"reCaptcha Response Here\">\r\n\t\t<\/textarea>\r\n\t<\/div>\r\n<\/noscript>\r\n<\/span>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"cf7-row full-width\">\n\t\t<div class=\"cf7-col\">\n\t\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Start My Free Assessment\" \/>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f3c66f elementor-widget elementor-widget-text-editor\" data-id=\"9f3c66f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tNo obligation. No pressure. We&#8217;ll usually be in touch within 24\u201348 hours.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-88e50c0 e-flex e-con-boxed e-con e-parent\" data-id=\"88e50c0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5efe81c e-con-full e-flex e-con e-child\" data-id=\"5efe81c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d6c033b elementor-widget elementor-widget-heading\" data-id=\"d6c033b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Avoiding a Mortgagee Sale the Smart Way<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5958c78 elementor-widget elementor-widget-text-editor\" data-id=\"5958c78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Falling behind on mortgage repayments can be stressful, but acting early can give you more options. If your financial circumstances have changed, the first step is to understand your position, communicate with your lender and consider what solutions may be available. If keeping the property is no longer realistic, selling before a mortgagee sale may give you more control over the process.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b294df e-con-full e-flex e-con e-child\" data-id=\"5b294df\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6548386 elementor-widget elementor-widget-video\" data-id=\"6548386\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/8ExHVKNCxEg?si=RmG5h4Fod5x1LCqK&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aa8178e e-flex e-con-boxed e-con e-parent\" data-id=\"aa8178e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5ebe0e9 e-con-full e-flex e-con e-child\" data-id=\"5ebe0e9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-091a6d3 elementor-widget elementor-widget-heading\" data-id=\"091a6d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is a mortgage?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5102eea elementor-widget elementor-widget-text-editor\" data-id=\"5102eea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A mortgage is a loan secured against your property. You agree to make regular repayments to the lender over an agreed period, including interest. If repayments are missed and arrears continue to build, the lender may eventually take steps to recover the debt, which can include a mortgagee sale. Understanding your mortgage, what you owe and any arrears is an important first step when considering your options.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ecd0c01 e-con-full e-flex e-con e-child\" data-id=\"ecd0c01\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39717ba elementor-widget elementor-widget-image\" data-id=\"39717ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1199\" height=\"800\" src=\"https:\/\/dailybasisnews.com\/designs\/we-buy\/wp-content\/uploads\/2026\/08\/How-to-Sell-a-Mortgagee-Sale-Property-Quickly-in-New-Zealand.jpg\" class=\"attachment-full size-full wp-image-487\" alt=\"\" srcset=\"https:\/\/dailybasisnews.com\/designs\/we-buy\/wp-content\/uploads\/2026\/08\/How-to-Sell-a-Mortgagee-Sale-Property-Quickly-in-New-Zealand.jpg 1199w, https:\/\/dailybasisnews.com\/designs\/we-buy\/wp-content\/uploads\/2026\/08\/How-to-Sell-a-Mortgagee-Sale-Property-Quickly-in-New-Zealand-300x200.jpg 300w, https:\/\/dailybasisnews.com\/designs\/we-buy\/wp-content\/uploads\/2026\/08\/How-to-Sell-a-Mortgagee-Sale-Property-Quickly-in-New-Zealand-1024x683.jpg 1024w, https:\/\/dailybasisnews.com\/designs\/we-buy\/wp-content\/uploads\/2026\/08\/How-to-Sell-a-Mortgagee-Sale-Property-Quickly-in-New-Zealand-768x512.jpg 768w\" sizes=\"(max-width: 1199px) 100vw, 1199px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2cdb240 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"2cdb240\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-170e6c5 e-grid e-con-full e-con e-child\" data-id=\"170e6c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-10dcf0b e-con-full review.box e-flex e-con e-child\" data-id=\"10dcf0b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7abe854 e-con-full e-flex e-con e-child\" data-id=\"7abe854\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-099da1c elementor-widget elementor-widget-heading\" data-id=\"099da1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Mortgage example\n<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c95ceaf elementor-widget elementor-widget-text-editor\" data-id=\"c95ceaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tResidential properties are expensive and when a potential homeowner approaches a financial institution for financing, they require some form of commitment. The typical purchase plan using a mortgage requires that the homeowner contributes 20% of the value of the property and the other amount is offered as a loan. Since the bank must charge the loan, there is an interest amount accrued over the period of time that the loan will be active. Regular installments made to service the loan are meant to reduce the principal amount as well as cover the interest earned over time. Some homeowners prefer to pay installment that would be equivalent to the cost of rent they would pay if they were letting the property while some pay higher amounts to reduce the repayment period.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a45d91d e-con-full review.box e-flex e-con e-child\" data-id=\"a45d91d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-b8b24bb e-con-full e-flex e-con e-child\" data-id=\"b8b24bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23ad5fe elementor-widget elementor-widget-heading\" data-id=\"23ad5fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Repayment of a mortgage loan\n<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22a9894 elementor-widget elementor-widget-text-editor\" data-id=\"22a9894\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tIt is the responsibility of the home owner to make sure that their monthly installment reaches the bank as promised. Once you enter into a mortgage arrangement, you do not have the luxury of falling sick or being without an income generating activity. When you default on a loan installment, you will receive notification from the bank within a few days, so you can be sure that they keep track of all payments due to them. While it is important to maintain your end of the agreement by making payments as you should, life is unpredictable and bad things are bound to happen all the time.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3c7a50b e-con-full review.box e-flex e-con e-child\" data-id=\"3c7a50b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-e6e568b e-con-full e-flex e-con e-child\" data-id=\"e6e568b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ac643c elementor-widget elementor-widget-heading\" data-id=\"7ac643c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">The Banks\n<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e019938 elementor-widget elementor-widget-text-editor\" data-id=\"e019938\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tBanks take it very seriously if you are late on a loan installment, or you do not have enough money to settle one. The consequences of failing to honor loan repayment could be as serious as losing the house or getting a bad credit report. This is why it is important to keep paying back the loan by whatever means. The general misconception that people have when they are unable to pay for one reason or the other is that banks do not listen. There are many reasons why a loan installment may be late but the bank will not be aware of it if the homeowner does not present their case to them. Did you know that people have managed to keep their houses bought using mortgage finance and maintained a good credit report even without money to service a loan? The secret lies in the management of the financial situation. No one knows your financial situation better than yourself so it is easy to determine if you will be able to maintain payments or not. Here is how to approach the situation if you ever find yourself stuck;\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-459735b e-con-full review.box e-flex e-con e-child\" data-id=\"459735b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-9cdb155 e-con-full e-flex e-con e-child\" data-id=\"9cdb155\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34a49a0 elementor-widget elementor-widget-heading\" data-id=\"34a49a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Communicate\n<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c478fb elementor-widget elementor-widget-text-editor\" data-id=\"2c478fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tDoes it sound embarrassing to inform your bank that you are broke? The good news is that banks deal with cases of loan default all the time so it will not be a strange occurrence to them. The best time to communicate to the bank that you are not in a financial position to hold up on your payments is before you default. If you do not tell them yourself, they will still find out and then you will not have control of how they handle your case. When you approach the bank to inform them of your situation, mention to them the intention to defer monthly installments for a few months. There is no break to loan repayment so the best way to approach the bank is to express intention to pay but at a later date.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fc0217b e-flex e-con-boxed e-con e-parent\" data-id=\"fc0217b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0df287c e-con-full e-flex e-con e-child\" data-id=\"0df287c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ebe4d2c elementor-widget elementor-widget-heading\" data-id=\"ebe4d2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Resume Your Repayments<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc98ba6 elementor-widget elementor-widget-text-editor\" data-id=\"fc98ba6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you have fallen behind on your mortgage, getting repayments back on track as early as possible can help prevent the situation from becoming more serious. Speak with your lender about what you can realistically afford and whether any repayment or hardship options may be available. If your financial position has improved, consider using some of the additional cash flow to reduce outstanding arrears.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b3f8aca e-con-full e-flex e-con e-child\" data-id=\"b3f8aca\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65a6b82 elementor-widget elementor-widget-image\" data-id=\"65a6b82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1254\" height=\"1007\" src=\"https:\/\/dailybasisnews.com\/designs\/we-buy\/wp-content\/uploads\/2026\/09\/How-to-Avoid-Mortgagee-Sale--e1790775967237.jpg\" class=\"attachment-full size-full wp-image-5367\" alt=\"\" srcset=\"https:\/\/dailybasisnews.com\/designs\/we-buy\/wp-content\/uploads\/2026\/09\/How-to-Avoid-Mortgagee-Sale--e1790775967237.jpg 1254w, https:\/\/dailybasisnews.com\/designs\/we-buy\/wp-content\/uploads\/2026\/09\/How-to-Avoid-Mortgagee-Sale--e1790775967237-300x241.jpg 300w, https:\/\/dailybasisnews.com\/designs\/we-buy\/wp-content\/uploads\/2026\/09\/How-to-Avoid-Mortgagee-Sale--e1790775967237-1024x822.jpg 1024w, https:\/\/dailybasisnews.com\/designs\/we-buy\/wp-content\/uploads\/2026\/09\/How-to-Avoid-Mortgagee-Sale--e1790775967237-768x617.jpg 768w\" sizes=\"(max-width: 1254px) 100vw, 1254px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f55336b e-flex e-con-boxed e-con e-parent\" data-id=\"f55336b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2b56b84 e-con-full e-flex e-con e-child\" data-id=\"2b56b84\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9308c07 elementor-widget elementor-widget-heading\" data-id=\"9308c07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Steps to Avoid a Mortgagee Sale<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c40af5 elementor-widget elementor-widget-text-editor\" data-id=\"4c40af5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Mortgage arrears can become more difficult to resolve the longer they are left. The earlier you understand your financial position and speak with your lender, the more options you may have. There is no single solution for every homeowner, but the steps below can help you assess the situation and decide what to do next.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f1c7e9e e-con-full e-flex e-con e-child\" data-id=\"f1c7e9e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f1ecae4 elementor-widget elementor-widget-image\" data-id=\"f1ecae4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1448\" height=\"1086\" src=\"https:\/\/dailybasisnews.com\/designs\/we-buy\/wp-content\/uploads\/2026\/09\/how-to-avoid-mortgagee-sale-financial-planning-1.jpg\" class=\"attachment-full size-full wp-image-5368\" alt=\"\" srcset=\"https:\/\/dailybasisnews.com\/designs\/we-buy\/wp-content\/uploads\/2026\/09\/how-to-avoid-mortgagee-sale-financial-planning-1.jpg 1448w, https:\/\/dailybasisnews.com\/designs\/we-buy\/wp-content\/uploads\/2026\/09\/how-to-avoid-mortgagee-sale-financial-planning-1-300x225.jpg 300w, https:\/\/dailybasisnews.com\/designs\/we-buy\/wp-content\/uploads\/2026\/09\/how-to-avoid-mortgagee-sale-financial-planning-1-1024x768.jpg 1024w, https:\/\/dailybasisnews.com\/designs\/we-buy\/wp-content\/uploads\/2026\/09\/how-to-avoid-mortgagee-sale-financial-planning-1-768x576.jpg 768w\" sizes=\"(max-width: 1448px) 100vw, 1448px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-895e9e2 e-flex e-con-boxed e-con e-parent\" data-id=\"895e9e2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-35c3388 e-grid e-con-full e-con e-child\" data-id=\"35c3388\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9103147 e-con-full e-transform e-flex e-con e-child\" data-id=\"9103147\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-5,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17025a0 elementor-widget elementor-widget-icon-box\" data-id=\"17025a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tContact Your Lender Early\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIf you think you may miss a payment, speak with your lender as early as possible. It is usually easier to discuss possible solutions before arrears become more serious.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dafe6aa e-con-full e-transform e-flex e-con e-child\" data-id=\"dafe6aa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-5,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c9ad1a4 elementor-widget elementor-widget-icon-box\" data-id=\"c9ad1a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tUnderstand Your Financial Position\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tReview what you owe, any arrears, your regular income and essential expenses. Having a clear picture of the numbers will help you understand which options may be realistic.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1dc38a0 e-con-full e-transform e-flex e-con e-child\" data-id=\"1dc38a0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-5,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fc5570e elementor-widget elementor-widget-icon-box\" data-id=\"fc5570e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tExplore Repayment or Hardship Options\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tDepending on your circumstances and lender, there may be options to adjust repayments or deal with temporary financial hardship. Consider getting independent financial or legal advice before making a decision.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-04ba7b0 e-con-full e-transform e-flex e-con e-child\" data-id=\"04ba7b0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-5,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a783705 elementor-widget elementor-widget-icon-box\" data-id=\"a783705\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tConsider Selling Before a Mortgagee Sale\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIf keeping the property is no longer realistic, selling voluntarily before a mortgagee sale may give you more control over the timing and sale process. We can discuss whether a private sale may be an option, with no pressure or obligation.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffbc2bd elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"ffbc2bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tEvery situation is different. We&#8217;ll give you a straightforward assessment without pressuring\n you toward a particular decision. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e9c15f5 e-flex e-con-boxed e-con e-parent\" data-id=\"e9c15f5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bf5239f e-con-full e-flex e-con e-child\" data-id=\"bf5239f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-268fc5f elementor-widget elementor-widget-heading\" data-id=\"268fc5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Factor in all your expenses\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6632f5f elementor-widget elementor-widget-text-editor\" data-id=\"6632f5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>When reviewing whether you can continue to afford the property, look beyond the mortgage payment alone. Rates, insurance, repairs, maintenance and other household costs can all affect your cash flow. A realistic budget will help you understand whether keeping the property is sustainable or whether another option, including selling, should be considered.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Facing Mortgage Arrears or a Mortgagee Sale? If you\u2019re behind on payments or facing a mortgagee sale, we can help you understand your options and explore a private sale before the situation goes further \u2014 no pressure, no obligation. Get Your Free Property Assessment Tell us about your property \u2014 it takes about 2 minutes. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":487,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2062","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Avoid a Mortgagee Sale | NZ Homeowner Guide<\/title>\n<meta name=\"description\" content=\"Learn how to avoid a mortgagee sale in New Zealand with practical guidance for homeowners facing financial pressure or risk of repossession.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Avoid a Mortgagee 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