Can you get funding for 5 years of study?

Apologies for asking what is probably a popular question however I could not find the answer I was looking for when I researched.
If you completed first year undergraduate at a university away from home, then re-applied to start a new undergraduate degree at the same university, then due to personal circumstances was forced to move back home... could you apply to start a new undergraduate degree at the university at home and be funded for the full 3 years (total of 5 years)?
Hopefully this question makes sense, I will try and rephrase if not.

You would need evidence of compelling personal reasons for repeating/restarting one of the extra years. SFE will only fund one repeat year automatically. If you repeat a second time then they need evidence. If you can’t provide suitable evidence then your first year on the new degree would be unfunded - that means no tuition fee loan, you would still get a maintenance loan.

Is there any possibility that you could transfer into second year of the degree near home?

I am almost certain that I can get evidence of compelling personal reasons, however I am clueless as to how I would go about telling SFE. Would it be during, before or after the application process? And if I was to apply through clearing would this affect anything in my application?