Can I refinance my home loan if I am behind on my repayments?
Typically, you need to be up to date with your payments and not have had any errors in the past six months. This can vary between different lenders, but most do require you to be clear from defaults for a certain length of time, prior to your application.
This also applies for late payments or if you have a history of late payments. In this situation the best thing for you is to check the policy of the lender you are looking to refinance with. Your lender's policy could vary depending on how much somebody is behind and for what reason.
Feel free to chat to a Lendi Home Loan Specialist about your options.