Mortgage Hardship Letter to Your Lender — $29
A few quick questions · $29 once · No card until the final step
Before you start: Mortgage Hardship Letter to Your Lender
Struggling with your home loan repayments because your circumstances have changed? A clear, calm hardship notice to your bank or lender: what changed, your situation in numbers, the help you want (a repayment pause, lower or interest-only repayments for a while, or a longer loan term) and what you can afford, using the words lenders act on under the National Credit Code.
- Answer plain questions about your situationAbout 5 minutes, one question at a time. No legal knowledge and no card needed.
- See how your document is set out, then pay $29 onceBy card through Stripe. The full document is drafted in about 5 minutes.
- Read it, change it, then approve itChange the wording yourself or ask for a redraft (2 edits included). Nothing is sent until you approve it.
You can stop at any point before paying, at no cost.
What's included
- Explains what has changed and how long you expect it to last, from your answers only.
- Asks for the help you want: a repayment pause, lower or interest-only repayments for a while, a longer loan term, or time to catch up.
- Sets out your income, your home loan repayment and essential costs plainly, if you choose to include them, with what you can afford.
- Asks your lender to treat it as a hardship notice under section 72 of the National Credit Code, the words lenders act on.
- Calm and honest: no threats and no complaint. A friendly or formal tone, your choice.
- You read it first, then we email it for you or you download it and send it yourself.
What to have ready
- Who it goes to: their name, and their email if you want us to send it
- The key dates, and any amounts involved
- Any documents, emails or messages. Tell us in the chat what you have; the document can refer to them.
Common questions
How much does the Mortgage Hardship Letter cost?A flat $29 AUD, including GST. There is no card required to start, no subscription and no hourly rate. You see a summary of your answers before you pay.
How long does it take?There are 12 questions, which take a few minutes to answer. The letter is usually ready in about 5 minutes after payment, any time of day.
Is it sent automatically, or do I see it first?You see it first. The letter lands in your dashboard, and nothing is sent until you approve it. Then we email it for you, or you download it and send it yourself.
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Previous rulings on matters like this
Published tribunal decisions we have summarised. Every matter turns on its own facts; these show what the tribunal looked at.
ACAT · Jun 2026Public housing tenancy ended after tribunal finds the home was used for drug dealing (ACAT, 2026)Outcome: Applicant successfulACAT · Aug 2026Unit owners keep balcony screens and shelves as tribunal strikes down strata balcony rule (ACAT, 2026)Outcome: Partly successfulACAT · Sep 2026 · $1,054Neighbour who cut a hedge past the fence line ordered to pay $1,054 to townhouse owners corporation (ACAT, 2026)Outcome: Partly successful