The Centrelink lines are going round the block, the government has made vague announcements of rent assistance, twitter buzzes with notes from the newly laid-off wondering how they'll put food on the table and pay the rent and the mortgage.
Here's a suggestion. Do the former by omitting the latter.
If you have lost most or all of your income, or are about to, don't pay your rent, don't pay your mortgage. Write to your landlord or bank and tell them you won't be paying for the next X months, and that you don't regard this as a deferral, but as non-rent/non-mortgage months.