Australia's debt-to-income ratio is among the highest of nations with robust credit ratings
Specialised hardship teams launched to help Australians who are still struggling
Two experts sound off, with one dubbing changes a "win" and the other an "invasive" mistake
Number of loan deferrals down significantly from its peak earlier this year, data shows
Number of deferred mortgages has dropped to 270,000, down from peak of around 494,000
At least 450,000 of the 900,000+ loan customers on deferral approaching the period's end this month or next