Financial hardship assistance.

Siare recognises that financial circumstances change. If we arranged your finance, the lender who holds your loan is responsible for assessing hardship requests and agreeing any variation to your loan — but we're here to help you start that conversation.

If you're experiencing hardship—whether income disruption, unexpected costs, or changed circumstances—contact your lender directly as soon as possible, using the details on your loan documents or statements. If you're not sure who to contact, or you'd like help making that first approach, get in touch with us and we'll help you find the right person.

Lenders generally consider factors including the nature and duration of your hardship, your payment history, and your capacity to meet a revised repayment arrangement. There's no single formula, and each lender assesses a case on its own merits — whether you qualify, and what's offered, is for your lender to determine.

If we arranged your finance, contact us and we can help you get in touch with your lender, understand what information they'll need, and explain generally how the hardship process works. The assessment itself, and any decision on your loan, is made by your lender.

Any information you share with us when seeking help is handled confidentially and in line with our Privacy Policy. If you're not satisfied with your lender's response to a hardship request, you can raise it with them directly, or contact AFCA — see our Complaints & Dispute Resolution page.