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Australia mortgage hardship: how quickly must the lender respond?

Jez Smith4 October 2026

Moneysmart says the lender must write to you within 21 days about the outcome of a hardship request. If it asks for more information, the 21-day response period runs from when you provide that information. Official source: Moneysmart. Guide: https://getinstantlaw.com/debt-collection

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