Region. Worst performing area

Fairfield-Liverpool is the worst performing area in the nation, for mortgage defaults, by the ratio of loans in arrears by 30 days, with 2.99 per cent now delinquent. Fairfield-Liverpool topped the list nationwide, with Outer South Western Sydney, Outer Western Sydney and Blacktown, in the top 10, according to a Fitch Ratings report. The Commonwealth Bank and Westpac are the most vulnerable to the rising number of missed mortgage repayments.

South West. Mortgage pain

Doug Driscoll, CEO, of real estate group, Starr Partners, which has offices throughout Western Sydney, said mortgage pain was centred around suburbs like Campbelltown and Ingleburn, which were considered less desirable and have not benefited like other areas from a flight of more affordable housing.

Region. Mortgage stress

The Fairfield-Liverpool district ranks as the nation's worst-performing mortgage area, then outer south-western suburbs, including Macquarie Fields, Minto, Camden and Narellan. In these areas between 2.5 per cent and 2.77 per cent of borrowers failed to make their required mortgage payments.The next worst region was the north-west - including Penrith, Mount Druitt, Blacktown and Richmond - where the figure was 2.37 per cent.

Region. Mortgage defaults high in the west

Katoomba, Greenacre, Guildford, Fairfield and St Marys are among the top areas defaulting on their mortgages by being a month in arrears, according to The Daily Telegraph. An analysis by the Parramatta-based UWS Urban Research Centre found areas along the M4, Windsor Road and Canterbury, and the Central Coast, were bearing the brunt of the recession.