We understand that some of our customers may face temporary periods of financial hardship due to a number of reasons, often beyond their control, including unemployment or reduced employment.

If you are finding it hard to make repayments on your home loan, credit card, personal loan or small business loan, we encourage you to call our dedicated hardship team as soon as possible.

This team is specially trained to understand your situation and work with you to find the most suitable repayment plan or support to help you while you get back on your feet.

Our toll free customer hotline numbers are:

Department	Contact Numbers	Hours of Operation
Home Loans, Personal Loans, Credit Cards, Personal Overdrafts and Small Business Loans	1800 252 845	8am - 8pm Monday to Thursday (AEST) 8am - 7pm Friday (AEST)
Esanda	1800 838 100	8am - 7pm Monday to Friday (AEST)

The type of assistance we may be able to provide will vary depending on your individual circumstances. For eligible customers, assistance may include:

• tailored repayment arrangements based on what you can afford to pay at the time, for example reduced repayments, interest adjustments, repayment extension periods
• for home loan and small business loan customers, deferred or reduced repayments on your loan for three, six and up to 12 months, to be assessed case by case (with interest capitalised into the loan)

In most cases, we will not require evidence of financial hardship and we will make arrangements quickly and efficiently over the phone wherever possible.

We will also suspend any debt collection activity while these arrangements are in place.

Call us today. We are here to help you.