If you are paying off a home and will not be able to keep up with mortgage repayments, the most important thing to do is talk to your lender as quickly as possible.
Lenders have already said they will defer repayments for those who have lost their jobs or suffered loss of income as a result of COVID-19.
The COVID-19 "home loan hardship packages" currently offered by mortgage lenders are a good starting point but they are not the only help available. Your lender will keep capitalising the interest you owe, and charging fees, so at the end of the hardship deal, you will be in more debt.
You do have rights under the National Credit Law if you are experiencing financial hardship and cannot pay your home loan. The Financial Rights Legal Centre has information to help you make a financial hardship claim under the National Credit Law.
WARNING: Avoid debt consolidation "services" and payday lenders. They are a recipe for more financial hardship down the track. The Financial Rights Legal Centre Financial Hazards Hotlist explains why such services are best avoided.