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SUPPORT

We all may experience financial hardship at some time.

How we support you

What is financial hardship?

Financial hardship is when you’re willing but unable to pay what you owe because of unexpected events or unforeseen changes that impact cashflow. Experiencing financial hardship is more common than you think, but getting support is important – and we’re here to help.

Some common factors that may cause financial hardship include: 
  • Losing your job, or a reduction in your income 
  • Unexpected illness/injury or large medical expenses 
  • A pandemic 
  • Relationship breakdowns 
  • Natural disasters such as bushfires, floods, or storm events 
  • Family or domestic violence 

If you’re experiencing any of these events, or other reasons for financial hardship, you’ll be expected to reasonably recover your financial position once appropriate arrangements are made.

We're here to help

Financial hardship

If there is a reason you can’t make your regular repayments, we may be able to help you. How we can help will depend on your circumstances. 

The sooner you contact us, the easier it will be to assist you. 

If you are having difficulty making a repayment, we will work with you to find a solution tailored to your circumstances. Most often our customers simply need temporary assistance, including a review of their financial commitments, to get them through a difficult time. 

Financial Hardship Contact Information 

If you require financial hardship assistance please contact AFG Home Loans via the following details below depending on your home loan product. 

Retro & Link

Telephone:  1800 629 948 
Email:customerassist@afghomeloans.com.au 

Alpha

Telephone: 1800 650 258 

Edge

Telephone: 1300 155 426 

Options

Telephone: 1800 184 260 
Email:assist@pepper.com.au 

Align

Telephone:1300 163 184 
Email: loansupport@thinktank.net.au 

If you are unsure which home loan product you have, then contact  1800 629 948and select the option to be directed to the relevant lender. 

Should you not meet the criteria for assistance, we may recommend you speak with a financial counsellor. Financial counselling is offered free of charge through the Financial Counsellors of Australia. You can reach them by calling 1800 007 007. 

Alternatively, if you are not satisfied with the outcome you may take the matter, free of charge, to our external dispute resolution scheme, the Australian Financial Complaints Authority. The contact details are as follows: 

Australian Financial Complaints Authority 

Telephone:  1800 931 678 
Online:  www.afca.org.au 
Email:  info@afca.org.au 
Address: GPO Box 3, Melbourne VIC 3001 

WE CAN HELP

Still need help?

Contact our team to get the help you need. 

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