Mortgage rates, we are told, are at historical lows. And yet, according to The experience of Mortgage Distress in Western Sydney report released in June by the University of Western Sydney, some mortgage holders are finding it so hard to pay, they are reduced to eating nothing but rice. The study sought to investigate the impact of mortgage distress as experienced by individual households. The accepted definition of mortgage stress centres on the borrower being in payment arrears of 90 days or more. The UWS study argues that this definition is not broad enough.