Post-home loan holiday blues: Missed payments rise for those coming off deferral 14 Feb, 2021 04:00 PM 6 minutes to read The number of people on a home loan deferral has fallen since the peak in May last year. Photo / File The number of people on a home loan deferral has fallen since the peak in May last year. Photo / File Coming off a home-loan holiday has not been smooth sailing for all mortgage borrowers, new figures show. Nearly one in 10 of those who have come off a mortgage deferral have missed a payment and the percentage going into arrears has been rising, data from credit reporting agency Equifax shows.