Help with hardship.

Life doesn't always go as planned, and at Smile Right we understand that sometimes you might need some assistance. The information below is worth considering if you're experiencing a level of financial hardship. If you have a question that doesn't fall into one of the below categories, please contact us.

On this page.

Financial Difficulty Explained

  • Who is eligible for hardship assistance?
  • What is financial difficulty?
  • Clarifying misconceptions.

Self Help

  • How can I reduce my financial stress?
  • Tools to help you manage your money
  • What options are available?
  • Getting back on track.

Where to start

  • How do I apply for assistance?
  • How can I prepare?
  • What are the steps involved?

Financial Difficulty Explained - Do I qualify for financial assistance?

When unplanned events have an impact on your finances, it can come as a shock.

Financial difficulty can come about in many forms and effects people differently. For some it can be a gradual deterioration of financial stability or an unpredicted change in income. Others may experience emergency event in their lives.

You may be surprised as your situation is more common than you think. Either way sometimes a bit of breathing space goes a long away to help catch-up.

We're here to help.

Self Help

Our friendly team can work with you to establish a plan to help you get back on track.

Each application for assistance is individually assessed with a short or long-term solution tailored to provide you with some financial relief. Options may include reduced payments, repayment ‘holiday' periods or loan restructures.

While we can provide support if you are facing financial difficulties, it's also a great opportunity for you to review your budget. A break from your repayments is only a temporary solution; however you may need to assess your spending and determine your priorities.

The list of resources below are here to help you navigate through important life events which may impact you financially.


ASIC runs this free and independent service that has easy-to-use tools to help you manage your money, plan, invest, or pay off debt.

Financial Councillors

Financial Counsellors provide free information, support, and advocacy to people in financial difficulty. Free call 1800 007 007.

Family & Domestic Violence Support

1800 RESPECT (1800 737 732) is a 24-hour hotline which provides help for any Australian who has experienced, or is at risk of, family and domestic violence and/or sexual assault.

Australian Financial Security Authority

Useful information and statistics, plus forms on debts and insolvency in Australia.

Debt Self Help

Financial Counselling Australia developed this site to provide practical steps, tools and other information to help get your finances back on track.

Beyond Blue

For information on depression and anxiety and where to get help, visit the beyondblue website or contact their support service on 1300 224 636.

Department of human services

Helpful information about Federal Government initiatives if you are financially vulnerable.

Rural Financial Counsellors - Department of Agriculture

If you're a farmer and experiencing drought or other rural issues, this Government Department offers handy business information, grants and support.


Myfuture is Australia's career information and exploration service including tips if you are facing redundancy or need help finding a job.

Where to Start - What steps are involved to get help from Breeze Living?

We realise that sometimes things can be tough but the good news is you're taking the first step right now on your road to financial recovery.

Next we need you to prepare an overview of your current financial situation. This will help us to quickly tailor the best possible outcome for you.

To do this you will need the following information at hand in preparing your request.

  • Your current income amount and how often you get paid. This includes any employment, government benefits, dividends etc.
  • Your living arrangements: are you renting, do you own your home, or live with family and friends?
  • Accounts you hold: what other loans, credit or store cards do you have outside of Smile Right? What are their current balances?
  • Your other financial obligations: for example your phone bills, childcare, insurance, etc.
  • Your family situation: are you married, single, do you have children?
  • Anything else you think might be relevant that we should know.
  • You can commence your application now by clicking on Apply for Assistance.

If you would like someone else to speak on your behalf you will need to complete this form.

If you would prefer to talk to one of our specially-trained staff first, please call us on 1300 834 141.

If after working with Breeze Living's internal dispute resolution process your issue has not been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority, or AFCA. AFCA provides fair and independent financial services complaint resolution that is free to consumers.
Telephone: 1800 931 678 (free call)
In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

Contact us today

We’re here to help you

Our team is ready to help with any questions you have.
1300 834 141