Introduction

This form is for Aurora KiwiSaver members seeking a Serious Financial Hardship Withdrawal.

Please read carefully before completing:

If you're facing significant financial difficulties, you may be eligible for an early withdrawal from your KiwiSaver savings under the KiwiSaver Act. Situations that qualify as financial hardship include:

• Inability to meet basic living costs
• Difficulty making mortgage payments, with lender enforcement
• Home modifications needed for special needs
• Medical costs for yourself or a dependent
• Funeral expenses for a dependent

Important: Before applying, you must provide evidence that you have sought assistance from Work and Income, your bank, or any other financial institutions, and your request was declined.

Steps to apply:

To process your application, you are required to provide:

1. This fully completed budget form detailing your income, expenses, assets, and liabilities.
2. A statutory declaration confirming that the details provided in this budget form are truthful and certifying that you are experiencing or are likely to experience serious financial hardship.
3. Certified proof of ID (e.g., passport or driver’s license) and certified proof of address (e.g., utility bill or bank statement).
4. Bank statements from the past three months for you and your partner if applicable.
5. Proof of income.
6. Statements for all mortgages, loans, and debts, including repayment schedules.
7. Any other documents that demonstrate your financial hardship or inability to meet basic expenses.

Note: We cannot proceed with your application until all required documents are submitted. You may upload them at the end of this form or email them to hardship@aurora.co.nz. Only personal financial details will be considered – expenses related to businesses or family trusts do not qualify.

Once you're ready to apply, please complete this budget form and the Aurora KiwiSaver Hardship Application form, available here. A copy of this form will also be sent to you upon completion.

For assistance, contact us using the details below:

Contact Information:

Aurora Capital Ltd
Email: hardship@aurora.co.nz
P.O. Box 606, Christchurch
Phone: 0800 242 023

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Privacy Notice:

The information provided through this form will be stored and used according to Aurora Capital's Privacy Policy. By submitting your information, you agree that we may share your details with authorised parties involved in assessing Serious Financial Hardship applications. This may include, but is not limited to, Public Trust and FundRock NZ Limited.

Paying per week: Enter the amount you and your partner pay weekly towards each expense.

Arrears: Enter any overdue amount caused by missed payments.

Provider: Enter the name of the company or institution holding the debt.

Balance: Enter the total amount still owing.

Paying per week: Enter how much you pay weekly towards this debt.

Arrears: Enter any overdue amount caused by missed payments.

1. Proof of income (If not provided in Section 2, provide this now)

• If you're employed, your last 3 payslips
• If you've recently been made redundtant, your redundancy letter and final payslip
• If you're self-employed, a summary of earnings for the last three months
• Government letter detailing entitlements (i.e. WINZ/IRD/ACC/Student Allowance, etc)

2. Overdue bills & Arrears (If not provided in Section 4 or 5, provide this now)

• Statements for any overdue bills that show the outstanding balance and your regular minimum payments e.g. utility bills).
• Statements for any overdue debts, credit cards, store cards, personal loans, finance company loans or any other overdue accounts.
• If you application relates to rent arrears a statement from your landlord confirming regular rent payments and any outstanding balance.

3. Bank Statements (Provide this now)

• Bank statement for the last 3 months for all accounts in you and yours partner's name (individuial, joint and business accounts)

• If you would prefer for Aurora Capital to automatically request your bank statement via a 3rd party, we will send you a link to complete this.

 

Attach evidence below or email to hardship@aurora.co.nz

Now you’ve completed the budget form, the next step is to complete a statutory declaration. This is a legal requirement when applying for a KiwiSaver Significant Financial Hardship withdrawal.

The statutory declaration must be witnessed by someone approved to take statutory declarations, such as a Justice of the Peace (JP), lawyer, or notary public. This ensures the information provided is legally confirmed as truthful.

You are also required to provide Certified Proof of ID and Certified Proof of your Residential Address.

• Certified Proof of ID can be a copy of your passport or driver’s license that has been signed and certified by an authorized person (e.g., JP, lawyer, or notary public).
• Certified Proof of Residential Address can be a recent utility bill or bank statement, again certified by an authorised person.
  The statutory declaration, along with the certified documents, helps us verify your identity and assess your application accurately.

If you have these documents ready to submit, you can attach these below now. Otherwise you will need to email  these to hardship@aurora.co.nz as soon as possible.

We're unable to proceed with your application at this time because you haven't agreed to the collection and use of your data. We need your consent to proceed with your application. Please start again here or contact us by emailing hardship@aurora.co.nz.

Thank you for completing the Hardship budget form.

 

Please click submit to continue.