Rating based on 19 reviews

Heartland Bank


  • Low-interest starting from 1.99%
  • Property finance up to $4,000,000
  • Repayment up to 30 years

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Heartland Bank homepage

Author Heartland Bank. Screenshot of Heartland Bank website. [Accessed May 23, 2018]

About Heartland Bank

At Heartland Bank, we like to think that we make the impossible possible.

So when other banks and lenders say no, we will consider your loan application and look for a way to make things possible for you. When it comes to home loans no one is better positioned to offer you a competitive deal than us!

Save for your home loan deposit with us

Heartland Bank offer some of the best and highest interest savings and investment accounts in the country – so if you want to apply for a home loan and are looking to save up for your deposit than start with a Heartland savings account today to save more faster! We also offer home and business loans as well as senior finance solutions.

What Heartland Bank can offer you

Heartland bank offers a range of floating and fixed rate mortgages with flexible loan terms of up to 30 years.

You can choose the repayment frequency you prefer, offer a deposit of 20% or 40%, make extra payments as and when you like and save thousands over the course of your loan term.

Our floating rate home loans

Our floating rate home loans are one of our most popular choices for home buyer because it offers you a great deal of flexibility that is not available with other options. With this option you are free to make extra payments throughout the term of your loan and even change the set up of the loan when you feel necessary without incurring any penalty fees.

Heartland Bank Product Details

  • Loan Type Property finance
  • Interest Rate 1.99 – 8.55% p/a
  • Loan Amount up to $4,000,000
  • Repayment 12 months to 30 years

Owning your first home is easy with our innovative first-time home loans

If you are looking to buy a home and cannot save up the required amount to pay a 20% deposit Heartland Bank may be able to assist you via our Welcome Home Loans if you meet the income and living requirements.

This is ideal for people who want to buy their very first home and are struggling to do it.

Apply for a home loan online or in-branch!

You can make a loan application online, in-branch or by contacting us telephonically to discuss your options. We offer a fully assisted mortgage application process so you know you'll be assisted every step of the way so you can get things right from the word go. We also welcome new customers to apply for a home loan with us.

What are the implications of not paying your home loan on time?

After your home loan has been approved, you have to ensure that you meet the monthly payments. Failure to do that will not only increase the chances of having your credit profile tainted, you may also lose your home. It is imperative that you stick within your financial obligations so that you don’t find yourself in a situation where you can no longer afford the credit plan you took.

I can’t make my payments on time

It is no secret that problems will always arise when you least expect them. Should you be going through certain financial issues that are making it difficult for you to pay your loan, please contact us as soon as possible. Don’t wait until the day of your debit order before notifying us. The customer will be liable for paying extra charges should their home loan be late or they miss the payment.

A home suitable for your budget

We always give our clients home loans that are designed to suit their conditions and financial lifestyles. We want to ensure that you are more than capable of paying your home loan on time

Customer Reviews & Testimonials

January 2019

Heartland Bank afforded me my dream loan with reasonable interest rate charges.

Brandon V
— Drury —

March 2019

If you are looking for the best home loan deals, Heartland Bank is the bank to go and see.

Rich G
— Dunedin —

Heartland Bank Contact Details

Contact Number



Physical Address

Postal Address

  • PO Box 9919, Newmarket, Auckland, 1149, New Zealand

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 16:30
  • Saturday – Closed
  • Sunday – Closed