Can I exclude bonds (home loans) from debt review?

Whether or not home loans should be included in a debt review, has been the subject of debate for many years. On the one hand, placing your primary residence under debt review is a problem because it assumes that servicing the mortgage bond on your home is not essential. While on the other hand, the inclusion of home loans has allowed many consumers to keep their homes.
The inclusion of home loans under debt review was introduced by the National Credit Act (NCA). Consumers had to sacrifice their standard of living in order to keep their homes, and debt review was part of their solution. The National Credit Act requires all debt (meaning every credit agreement that you have made) be included in debt review, as so far this has worked well for consumers who are struggling to keep up with their financial commitments.