Financial hardship assistance

Siare recognizes that financial circumstances change. We're committed to working with investors and borrowers facing temporary hardship to find practical solutions that preserve relationships and outcomes.

We believe responsible lending means supporting clients through difficulty, not abandoning them. If you're experiencing hardship—whether income disruption, unexpected costs, or changed market conditions—we want to hear from you early. The sooner you contact us, the more options we can explore together.

Eligibility for hardship assistance depends on your circumstances and our assessment of your situation. We consider factors including the nature and duration of hardship, your payment history, the strength of your underlying asset, and your capacity to meet restructured terms. There's no single formula. We evaluate each case on its merits.

Our process is straightforward. You submit a request with supporting documentation. We assess within five business days. We then discuss available options, which may include payment deferrals, restructured schedules, temporary rate adjustments, or other arrangements. We'll explain the implications clearly and work toward a solution that works for both parties.

All hardship requests are handled confidentially by authorized personnel. We comply with AFCA standards, privacy legislation, and responsible lending obligations. If you disagree with our decision, you have access to our complaints process and AFCA.