Financial Hardship

The information below is for customers that hold a Mike Pero Home Loan. If your home loan is with a different lender and you are experiencing financial hardship please contact your Mike Pero Adviser or lender immediately.

All Mike Pero Home Loans are managed by Liberty Financial Limited, whether funded by Liberty Financial Limited or Secure Funding Limited*.

We’re here to help

We understand that life can take unexpected turns and catch us by surprise. That may mean you may be finding it hard to cope financially from time to time. You may have lost your job, suffered an illness or injury or have been impacted by a natural disaster or by COVID-19.

If you’re finding it hard to make ends meet, we want to talk to you about how we can help. We may be able to vary or suspend your repayments to help get you back on track. We can help the most if you get in contact with us as early as possible.

Financial Support

We know that putting things back together is never easy and these situations can leave customers with unexpected financial stress. We are here to work with customers in these circumstances to provide options to help get them back on track. If you’re in this situation, please call your Mike Pero Adviser or your funder directly on 0800 003 391, Monday to Friday 8.30am – 5.30pm and discuss temporary hardship assistance.

There are also free public services which can also offer assistance, for example the Ministry of Social Development. You can call them on 0800 559 009 for emergency housing assistance.

The best way to let us help is to call us between 8.30am – 5.30pm on 0800 003 391

Send us a summary

We’ve also got a Financial Hardship Notice that you can fill in and send to us. We’ll call you when we receive it so we can work on a plan together.

You can email a copy of the completed notice to

You can post us the completed notice to PO Box 4295, Shortland Street, AUCKLAND 1140

Our team is here to help

We will take the time to listen and understand your situation. We may ask you for some information and we will carefully consider how we can help get you back on course.

Other help

You may also find the following helpful:

Ministry of Social Development website, which provides information on crisis and special help available.

Citizens Advice Bureau website which can offer free advice on housing and money.

Consumer Protection website which helps you to understand your rights in regards to credit, banking and finance.

Sorted website, which provides information on budgeting and managing your finances.

* The Mike Pero Group, Liberty Financial Limited and Secure Funding Limited are part of the Liberty Group. The Liberty Group is a highly rated financial services company with operations across Australia and New Zealand.

Mike Pero (New Zealand) Ltd Copyright © 2024 All rights reserved | Lending and policy criteria and terms and conditions apply. Content on this website is general in nature and is not a recommendation, opinion or guidance to any individuals in relation to acquiring or disposing of a financial product. Readers should not rely on this content and should always seek specific financial advice appropriate to their own individual circumstances.