Financial Hardship

We understand that life can take unexpected turns. For this reason, we have developed policies and processes to assist members with their mortgage loans, personal loans and credit cards in times of financial hardship.

If you are having difficulty meeting your financial commitments please contact our Member Assist department by the details at the bottom of this page. They'll discuss your circumstances discreetly and provide a solution to help you through this tough time.
Alternatively, you can apply for Hardship relief by completing the Hardship Relief form and returning it to Heritage. When the form is received, we will contact you to discuss your application further.

COVID-19 Relief

We understand the ongoing impact that COVID-19 is having and how quickly the situation can change for our members. We appreciate that everyone’s circumstances are different, so we have a range of ongoing assistance measures that we can make available for an agreed amount of time. These include: 

  • Deferral or reduction of home loan and business loan repayments, with interest capitalised
  • Deferral or reduction of personal loan and credit card loan repayments, with interest capitalised
  • Interest only repayment on home loans

If you are financially impacted by COVID-19 please reach out to us as soon as possible on 1800 222 030 (option 1). Our team will work quickly to assess your situation and advise how we can help. Alternatively you can apply for relief by completing the Hardship Relief Form. Learn more about our response to COVID-19. 

Bushfire or Flood Relief

Call 13 14 22 for assistance

If you've been financially impacted by flood or bushfires please reach out to us as soon as possible on 13 14 22. Our team is available 24/7 and will work quickly to assess your situation and advise how we can help. Our Relief Package includes:

  • Hardship provisions to help impacted members through their situation.
  • Waiving fees associated with restructuring of loans needed because of flood or bushfire impacts. 
  • Waiving or refunding fees incurred because flood or bushfire impacts have made it impossible for members to comply with requirements of their accounts, for example missed payments.
  • Early redemption on Term Deposits and Farm Deposit Management accounts for members impacted by flood or bushfires, without fees or penalties.

We also understand that some staff in affected areas may need to prioritise ensuring the safety of loved ones. We also know that some of our staff are emergency service volunteers and may be called on to help in a flood or bushfire response. Heritage supports our staff in these activities and understand it may impact on their ability to get to work as usual.

Above all, safety is the number one priority. If you live in an impacted area we encourage you to monitor the situation through the media and emergency service websites. If you’re on the road, remember if it’s flooded forget it!

Financial Elder Abuse

Financial abuse occurs when someone manipulates another person’s decision-making, or controls access to their money or other property without their consent. It’s a serious issue that can affect anyone, however some people, like the elderly, or other vulnerable and isolated people are at higher risk. The Australian Government’s My Aged Care national help line and website can help you to access services and find information.

National Helpline

Call the national 1800 ELDERHelp (1800 353 374) line (free call) to talk to someone about potential or actual elder abuse. This service provides information on how you can get help, support and referrals.

My Aged Care website - Elder Abuse Concerns


Contact us

You can get in contact with our Member Assist Department on the following details:

Phone: 1800 222 030 (Option 1) during business hours 


 Member Assist Department
        Reply Paid 190 
        Toowoomba  QLD  4350 
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