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Get a decision within 48 hours* with a Heartland Home Loan

Apply for one of our home loan rates and get a decision within 48 hours of all information being received.*
2 year fixed




3 year fixed




Young family in the backyard of their new home. Enjoy your dream family home with Heartland's low home loan rates.
*Heartland's responsible lending criteria, T&Cs and fees apply. No establishment fee. Rates subject to change. 48 hour timeframe begins once all information required to decision the loan has been received, and loans over $1,000,000 are excluded from timeframe. Weekends and public holidays excluded.

It’s better banking with our app

Take control of your banking with the Heartland Mobile App. Manage your accounts on the go where and when you want.

Welcome to doing things differently

Heartland has been helping Kiwis with their finances since 1875. We’ve evolved a lot along the way, but our commitment to doing things differently hasn’t changed.

In everything we do, our aim is to make it as easy as possible for you to manage your money from wherever you are – so you can spend more time on the things that matter.

Get to know us


Live a more comfortable retirement

Release equity from your home with a Heartland Reverse Mortgage. Enjoy financial flexibility, independence and a lifestyle you love while continuing to own and live in your home.

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