Some common examples of why you might struggle to meet your repayments now or in the future might be a change in your personal circumstances like losing your job, an illness or injury, the end of a relationship or the death of a spouse or partner. Westpac will consider applications for financial hardship assistance on a case by case basis so the best thing to do is act early, talk to us on 0800 772 771 about your change in circumstances so we can work together to help find a solution.