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      `----'     ---`-'   `--'     `--'       `----'               `----'                                           \  ' ;  `--"
                                                                                                                     `--`


-->

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<style>
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        .hero-grid {
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            grid-template-columns: auto;
            grid-template-rows: auto auto auto;
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                margin-top: 2rem;
            }
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                text-align: center;
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                grid-template-columns: auto 22rem;
                grid-template-rows: auto 1fr;
                column-gap: 4rem;
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                .hero-grid .c-section-block__header {
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                .hero-grid .c-section-block__copy {
                    grid-area: 2/1/3/2;
                }

                .hero-grid .c-section-block__asset {
                    grid-area: 1/2/3/3;
                }

            .c-section-multi-products__inner-item {
                width: calc((100%  - 60px) / 3);
            }

            .c-section-block--reverse-mortgage .c-section-block__asset {
                max-width: 100%;
            }

            .c-section-block--get-started {
                margin: 6rem 0;
            }

                .c-section-block--get-started .c-section-block__inner {
                    height: 34.5rem;
                    padding: 2rem;
                }

                .c-section-block--get-started .c-section-block__image {
                    margin: -4rem 0 -2rem;
                    max-height: 38rem;
                }

                .c-section-block--get-started .c-section-block__device {
                    display: flex;
                    flex-direction: column;
                    justify-content: center;
                    margin-left: 32rem;
                    margin-top: 0;
                }

                    .c-section-block--get-started .c-section-block__device > #app {
                        margin-top: 0;
                        max-width: 32rem;
                        width: 32rem;
                    }

            .c-section-block-icon--4x .c-section-block-icon__item {
                width: 23%;
            }
        }

        @media (max-width: 899px) {
            .safety-tips .c-section-block__inner {
                flex-direction: column;
                padding-top: 1rem;
            }

            .safety-tips .c-section-block__asset {
                max-width: 100%;
                margin-bottom: 3rem;
                margin-top: 0;
            }

            .safety-tips .c-section-block__copy {
                max-width: 100%;
            }
        }

        @media (min-width: 1024px) {
            .hero-grid {
                grid-template-columns: auto 57rem;
                grid-template-rows: auto 1fr;
                column-gap: 4rem;
            }

            .c-section-block--reverse-mortgage .c-section-block__inner {
                grid-template-columns: auto 47rem;
                grid-template-rows: auto;
            }

            .c-section-block--reverse-mortgage .c-section-block__copy {
                grid-column: 1/2;
                grid-row: 1/2;
            }

            .c-section-block--reverse-mortgage .c-section-block__asset {
                grid-column: 2/3;
                grid-row: 1/2;
            }

            .c-section-block--get-started {
                margin: 7rem 0;
            }

                .c-section-block--get-started .c-section-block__inner {
                    height: 22rem;
                    padding: 2rem;
                }

                .c-section-block--get-started .c-section-block__image {
                    margin: -5.5rem 0 -2rem;
                    max-height: 29rem;
                }

                .c-section-block--get-started .c-section-block__device {
                    align-items: center;
                    flex-direction: row;
                    margin-left: 25.5rem;
                }

                    .c-section-block--get-started .c-section-block__device > #app {
                        margin-left: 3rem;
                    }

            .c-section-multi-products__inner-item {
                align-items: flex-start;
            }

                .c-section-multi-products__inner-item .c-section-multi-products__header {
                    margin-bottom: 3rem;
                }

            .c-section-block-icon__item:last-child,
            .c-section-block-icon__item:not(:last-child) {
                margin-bottom: 3.1rem;
            }

            .c-section-block-icon--4x .c-section-block-icon__item {
                margin-bottom: 4rem;
            }

            .c-section-block__sub-header {
                margin-bottom: 1rem;
            }

            .c-hero__update-header {
                margin-bottom: 2rem;
            }

            .v-text-field .v-input__control .v-input__slot {
                max-height: 4.8rem;
                min-height: 4.8rem;
            }

            .v-select .v-select__selections {
                padding: 8px 0;
            }

            .v-text-field--enclosed .v-input__append-inner {
                margin-top: 12px;
            }

            .hero-grid .c-section-block__para {
                margin-bottom: 2rem;
            }
        }

        .hds-list li {
            margin-bottom: 1rem;
            margin-left: 2rem;
            position: relative;
        }

            .hds-list li:before {
                content: '';
                position: absolute;
                width: 15px;
                height: 10px;
                top: 8px;
                left: -20px;
                background: url(../Images/Corporate/tick.svg) no-repeat;
            }
    </style>
<style>

/*------------------------------------*\
  Browser compatibility fixes
\*------------------------------------*/

/*IE 8-11*/
.select__element::-ms-expand {
    display: none; /* remove default arrow in IE 10 and 11 */
}

.box-textInput {
    padding-bottom: 10px\0;
}

.business-loan-hero-application__container .box-textInput,
.livestock-finance-hero-application__container car-loans-hero-application__container .box-textInput {
    padding-bottom: 0px\0;
}

*::-ms-backdrop, .youchoose-video::before {
    display: none; /* remove top mask on IE11 */
}

@media (max-width:991px) {
    .why-heartland__figure,
    .application,
    .internet-help,
    .direct-call-funds,
    .direct-call-savings__card,
    .direct-call-savings__blurb {
        flex: none\0;
    }
}

@media screen and (max-width:991px) and (min-color-index:0) and(-webkit-min-device-pixel-ratio:0) {
    @media {
        .why-heartland__figure,
        .application,
        .internet-help,
        .direct-call-funds,
        .direct-call-savings__card,
        .direct-call-savings__blurb {
            flex: none !important;
        }
    }
}

/* Safari 10.1+ on iOS and desktop*/
@media not all and (min-resolution:.001dpcm) {
    @media {
        .why-heartland__figure,
        .application,
        .internet-help,
        .direct-call-funds,
        .direct-call-savings__card,
        .direct-call-savings__blurb {
            flex: none !important;
        }

        .box-textInput {
            padding-bottom: 0;
        }

        .business-loan-hero-application__container .box-textInput,
        .livestock-finance-hero-application__container .box-textInput {
            padding-bottom: 0;
        }

    }
}


/*------------------------------------*\
  End of Browser compatibility fixes
\*------------------------------------*/

</style>
</head>
<body data-app="true">

<noscript>
        <iframe src="https://www.googletagmanager.com/ns.html?id=GTM-WDXSWKF" height="0" width="0" style="display:none;visibility:hidden"></iframe>
    </noscript>
<a class="skip-to-main" href="#mainContent">Skip to main content</a>

<header>
<script>
    var section = '';
</script>
<div class="fixed-top main-nav-container" date-test-id="desktop-nav">
<div class="temporary-alert">
<p>
Beware of a fraudulent scam offering Heartland Bank bonds and term deposits - <a href="https://www.heartland.co.nz/online-security"><u>read more</u></a>.
</p>
<i class="fa fa-times-circle banner-close-btn js-banner-close-btn"></i>
</div>
<nav id="main-nav" class="main-nav main-nav-home" aria-label="Main navigation">
<div class="main-nav__inner">
<a href="/" class="page-header__logo-container" target>
<img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" data-test-id="heartland-header-logo" />
</a>
<ul class="top-nav" data-test-id="desktop-header-menu">
<li class="nav-item">
<a href class="nav-link nav-menu-link" onclick="return false;" data-test-id="main-nav-products">Products</a>
<ul class="nav-menu">
<li class="nav-item nav-submenu-link">
<a href="/savings-and-deposits" class="nav-link" data-test-id="products-saving-and-deposits">Savings & Deposits</a>
<ul class="nav-submenu">
<li class="nav-subitem">
<a class="nav-link" href="/savings-and-deposits/interest-rates" data-test-id="link-savings-and-deposits-interest-rates">Interest rates</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/savings-and-deposits/digital-saver" data-test-id="link-savings-and-deposits-digital-saver">Digital Saver</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/savings-and-deposits/term-deposits" data-test-id="link-savings-and-deposits-term-deposits">Term Deposits</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/savings-and-deposits/direct-call-account" data-test-id="link-savings-and-deposits-direct-call-account">Direct Call Account</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/savings-and-deposits/notice-saver" data-test-id="link-savings-and-deposits-notice-saver">Notice Saver</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/youchoose" data-test-id="link-youchoose">YouChoose</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/savings-and-deposits/business-call-account" data-test-id="link-savings-and-deposits-business-call-account">Business Call Account</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/savings-and-deposits/pie-fund" data-test-id="link-savings-and-deposits-pie-fund">Cash and PIE funds</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/savings-and-deposits/#ofdquestions" data-test-id="link-savings-and-deposits-#ofdquestions">Common questions</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/about-us/documents-and-forms" data-test-id="link-about-us-documents-and-forms">Documents and forms</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/savings-and-deposits/credit-rating" data-test-id="link-savings-and-deposits-credit-rating">Credit rating</a>
</li>
</ul>
</li>
<li class="nav-item nav-submenu-link">
<a href="/home-loans" class="nav-link" data-test-id="products-home-loans">Home Loans</a>
<ul class="nav-submenu">
<li class="nav-subitem">
<a class="nav-link" href="/home-loans/revolving-credit" data-test-id="link-home-loans-revolving-credit">Revolving credit</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/home-loans/repayments-calculator" data-test-id="link-home-loans-repayments-calculator">Repayments calculator</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/home-loans/refinance-calculator" data-test-id="link-home-loans-refinance-calculator">Refix comparison calculator</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/home-loans/refinance-your-mortgage-with-heartland" data-test-id="link-home-loans-refinance-your-mortgage-with-heartland">Refinance with Heartland</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/home-loans/rates" data-test-id="link-home-loans-rates">Rates &amp; fees</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/home-loans/faqs" data-test-id="link-home-loans-faqs">Common questions</a>
</li>
</ul>
</li>
<li class="nav-item">
<a href="/business-loans" class="nav-link" data-test-id="products-business-loans">Business Loans</a>
<ul class="nav-submenu">
</ul>
</li>
<li class="nav-item nav-submenu-link">
<a href="/reverse-mortgage" class="nav-link" data-test-id="products-reverse-mortgages">Reverse Mortgages</a>
<ul class="nav-submenu">
<li class="nav-subitem">
<a class="nav-link" href="/reverse-mortgage/what-is-a-reverse-mortgage" data-test-id="link-reverse-mortgage-what-is-a-reverse-mortgage">What is a reverse mortgage?</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/reverse-mortgage/what-can-i-do-with-my-reverse-mortgage" data-test-id="link-reverse-mortgage-what-can-i-do-with-my-reverse-mortgage">What can I do with my loan?</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/reverse-mortgage/customer-stories" data-test-id="link-reverse-mortgage-customer-stories">Our customer stories</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/reverse-mortgage/reverse-mortgage-calculator" data-test-id="link-reverse-mortgage-reverse-mortgage-calculator">Calculate my loan</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/reverse-mortgage/useful-resources" data-test-id="link-reverse-mortgage-useful-resources">Useful resources</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/reverse-mortgage/interest-rates" data-test-id="link-reverse-mortgage-interest-rates">Rates &amp; fees</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/reverse-mortgage/existing-customer-information" data-test-id="link-reverse-mortgage-existing-customer-information">Existing customers</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/reverse-mortgage/advisors" data-test-id="link-reverse-mortgage-advisors">Advisors</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/reverse-mortgage/news" data-test-id="link-reverse-mortgage-news">News</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/reverse-mortgage/partners" data-test-id="link-reverse-mortgage-partners">Partnerships</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/reverse-mortgage/common-questions" data-test-id="link-reverse-mortgage-common-questions">Common questions</a>
</li>
</ul>
</li>
<li class="nav-item nav-submenu-link">
<a href="/car-loans" class="nav-link" data-test-id="products-car-loans">Car Loans</a>
<ul class="nav-submenu">
<li class="nav-subitem">
<a class="nav-link" href="/car-loans/faqs" data-test-id="link-car-loans-faqs">Common questions</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/car-loans/insurance" data-test-id="link-car-loans-insurance">Insurance</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/car-loans/rates-fees-terms" data-test-id="link-car-loans-rates-fees-terms">Rates, fees &amp; terms</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/car-loans/insurance/rating-solvency" data-test-id="link-car-loans-insurance-rating-solvency">Rating &amp; solvency</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/car-loans/ev-loans" data-test-id="link-car-loans-ev-loans">Electric Vehicle Loans</a>
</li>
<li class="nav-subitem">
<form action="/Car/Car/Application" method="post">
<input type="hidden" name="onlineId" />
<input type="hidden" name="reCaptchaToken" class="reCaptchaToken" />
<input type="hidden" name="OriginWebPage" value="car-loans (/)" />
<button type="submit" id="tracking__car-loans__header__apply-now" class="c-button c-button--primary-three js-waitforrecaptchatoken" itemprop="url">Apply now</button>
<input type="hidden" name="as_sfid" value="AAAAAAUBrJg1RhvMi0s6mx9EFm8MQ4WUtR-QnVlpd_8Ahg4Vmnv5_PhwyM4n1lVsUUf79aixLY8nD380YB7DgXyQURaJ1Xxc2vQj-JBiq6iAPfOgO_CwydfBAphlE_2EGrqFwzYccG9XuP0hJb3BO4RAygGbHoF59d4pYuW_JGFZuxp6ig==" /><input type="hidden" name="as_fid" value="a0ff72c39219b471ed3cd1d0e27c71892462f07d" /></form>
</li>
</ul>
</li>
<li class="nav-item nav-submenu-link">
<a href="/rural-loans" class="nav-link" data-test-id="products-rural-loans">Rural Loans</a>
<ul class="nav-submenu">
<li class="nav-subitem"><a class="nav-link" href="/rural-loans/livestock-finance" data-test-id="link-rural-loans-livestock-finance">Livestock Finance</a></li>
<li class="nav-subitem"><a class="nav-link" href="/rural-loans/sheep-beef-direct" data-test-id="link-rural-loans-sheep-beef-direct">Sheep &amp; Beef Direct</a></li>
<li class="nav-subitem"><a class="nav-link" href="/rural-loans/dairy-direct" data-test-id="link-rural-loans-dairy-direct">Dairy Direct</a></li>
<li class="nav-subitem"><a class="nav-link" href="/rural-loans/term-loans" data-test-id="link-rural-loans-term-loans">Term Finance</a></li>
<li class="nav-subitem"><a class="nav-link" href="/rural-loans/farm-transition-loan" data-test-id="link-rural-loans-farm-transition-loan">Farm Transition Loan</a></li>
</ul>
</li>
</ul>
</li>
<li class="nav-item">
<a href class="nav-link nav-menu-link" onclick="return false;">About us</a>
<ul class="nav-menu">
<li class="nav-item nav-nonmenu-link">
<a class="nav-link" href="/about-us">About us</a>
</li>
<li class="nav-item nav-nonmenu-link">
<a class="nav-link" href="/about-us/history-of-heartland-bank">Our history</a>
</li>
<li class="nav-item nav-nonmenu-link">
<a class="nav-link" href="/about-us/careers">Careers</a>
</li>
<li class="nav-item nav-nonmenu-link">
<a class="nav-link" href="/about-us/diversity-and-inclusion">Diversity and inclusion</a>
</li>
<li class="nav-item nav-nonmenu-link">
<a class="nav-link" href="/about-us/sponsorship">Sponsorship</a>
</li>
<li class="nav-item nav-nonmenu-link">
<a class="nav-link" href="/about-us/documents-and-forms">Documents &amp; forms</a>
</li>
<li class="nav-item nav-nonmenu-link">
<a class="nav-link" href="/about-us/news">News</a>
</li>
</ul>
</li>
<li class="nav-item">
<a class="nav-link" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
</li>
<li class="nav-item">
<a href class="nav-link nav-menu-link" onclick="return false;">Help</a>
<ul class="nav-menu">
<li class="nav-item nav-nonmenu-link" data-test-id="desktop-contact-us">
<a href="/contact-us" class="nav-link">Contact us</a>
</li>
<li class="nav-item nav-nonmenu-link" data-test-id="desktop-support">
<a href="/support" class="nav-link">Support</a>
</li>
</ul>
</li>
<li class="nav-item maori-link">
<a class="nav-link" href="/maori">Te reo M&#257;ori</a>
</li>
<li class="nav-item">
<a class="nav-link" href="/mobile-app">Mobile app</a>
</li>
<li class="nav-item">
<a href="https://digital.heartland.co.nz" target="_blank" id="tracking____header__login" class="btn btn-new btn-outline btn-login-apply">Log in</a>
</li>
</ul>
<button id="mobile-hamburger" data-test-id="mobile-header-menu-open" class="
                    hamburger-menu
                    hamburger
                    hamburger--squeeze
                    hamburger-container" onclick="openCloseMenuSlider(event);">
<span class="hamburger-box">
<span class="hamburger-inner"></span>
</span>
</button>
</div>
</nav>
</div>
<nav class="mobile-nav" aria-label="Mobile navigation" data-test-id="mobile-nav">
<div class="slider-menu js-slider-menu" data-test-id="mobile-header-menu">
<button id="mobile-hamburger" data-test-id="mobile-header-menu-close" class="
                    hamburger-menu
                    hamburger
                    hamburger--squeeze
                    hamburger-container
                    hamburger--close
                    is-active" onclick="openCloseMenuSlider(event);">
<span class="hamburger-box">
<span class="hamburger-inner"></span>
</span>
</button>
<ul>
<li class="close-menu d-flex slider-menu__action-title">
<a class="page-header__logo-container" href="/">
<img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
</a>
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text">Products</a>
</li>
<li class="slider-menu__section-item section-item--savings">
<a class=" js-open-menu-deposits" data-test-id="products-saving-and-deposits">
<div class="row">
<div class="col-10"><p class="slider-menu__section-item-text my-auto">Savings &amp; Deposits</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li class="slider-menu__section-item section-item--home-loans">
<a class=" js-open-menu-homeloans" data-test-id="products-home-loans">
<div class="row">
<div class="col-10"><p class="slider-menu__section-item-text my-auto">Home Loans</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li class="slider-menu__section-item section-item--reverse-mortgage">
<a class=" js-open-menu-seniors" data-test-id="products-reverse-mortgages">
<div class="row">
<div class="col-10"><p class="slider-menu__section-item-text my-auto">Reverse Mortgages</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li class="slider-menu__section-item section-item--business-loans">
<a class=" js-open-menu-business" data-test-id="products-business-loans">
<div class="row">
<div class="col-10"><p class="slider-menu__section-item-text my-auto">Business Loans</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li class="slider-menu__section-item section-item--car-loans">
<a class=" js-open-menu-cars" data-test-id="products-car-loans">
<div class="row">
<div class="col-10"><p class="slider-menu__section-item-text my-auto">Car Loans</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li class="slider-menu__section-item section-item--rural-loans">
<a class=" js-open-menu-livestock" data-test-id="products-rural-loans">
<div class="row">
<div class="col-10"><p class="slider-menu__section-item-text my-auto">Rural Loans</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text js-open-menu-company-info">
<div class="row">
<div class="col-10"><p class="slider-menu__section-title-text my-auto">About us</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text js-open-menu-help">
<div class="row">
<div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text" href="/maori">Te reo M&#257;ori</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text js-open-menu-mobile-app" data-test-id="products-mobile-app">
<div class="row">
<div class="col-10"><p class="slider-menu__section-title-text my-auto">Mobile app</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li class="slider-menu__section-title">
<a tabindex href="https://digital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
</li>
<li class="slider-menu__section-title">
<div class="slider-menu__section-title--download">
<a class="c-app-link__item" href="https://itunes.apple.com/nz/app/heartland-mobile-app/id1401756383" target="_blank" rel="noopener noreferrer">
<div class="c-app-link__item-inner">
<img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
<p class="c-app-link__copy">
<span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
<span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
</p>
</div>
</a>
<a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
<div class="c-app-link__item-inner">
<img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
<p class="c-app-link__copy">
<span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
<span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
</p>
</div>
</a>
</div>
</li>
</ul>
</div>
<div class="slider-menu slider-menu--deposits js-slider-menu-deposits">
<button id="mobile-hamburger" class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active" onclick="openCloseMenuSlider(event);">
<span class="hamburger-box">
<span class="hamburger-inner"></span>
</span>
</button>
<ul>
<li class="close-menu d-flex slider-menu__action-title">
<a class="page-header__logo-container" href="/">
<img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
</a>
</li>
<li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
<span class="slider-menu__action-icon"><i class="fa fa-chevron-left" aria-hidden="true"></i></span> Back
</li>
<li class="slider-menu__section-item-heading
                        ">
<a href="/savings-and-deposits" data-test-id="link-savings-and-deposits">Savings &amp; Deposits</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/savings-and-deposits/interest-rates" data-test-id="link-savings-and-deposits-interest-rates">Interest rates</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/savings-and-deposits/digital-saver" data-test-id="link-savings-and-deposits-digital-saver">Digital Saver</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/savings-and-deposits/term-deposits" data-test-id="link-savings-and-deposits-term-deposits">Term Deposits</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/savings-and-deposits/direct-call-account" data-test-id="link-savings-and-deposits-direct-call-account">Direct Call Account</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/savings-and-deposits/notice-saver" data-test-id="link-savings-and-deposits-notice-saver">Notice Saver</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/youchoose" data-test-id="link-youchoose">YouChoose</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/savings-and-deposits/business-call-account" data-test-id="link-savings-and-deposits-business-call-account">Business Call Account</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/savings-and-deposits/pie-fund" data-test-id="link-savings-and-deposits-pie-fund">Cash and PIE funds</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/savings-and-deposits/#ofdquestions" data-test-id="link-savings-and-deposits-#ofdquestions">Common questions</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/about-us/documents-and-forms" data-test-id="link-about-us-documents-and-forms">Documents and forms</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/savings-and-deposits/credit-rating" data-test-id="link-savings-and-deposits-credit-rating">Credit rating</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text js-open-menu-company-info">
<div class="row">
<div class="col-10"><p class="slider-menu__section-title-text my-auto">About us</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text js-open-menu-help">
<div class="row">
<div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text" href="/maori">Te reo M&#257;ori</a>
</li>
<li class="slider-menu__section-title">
<a tabindex href="https://digital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
</li>
<li class="slider-menu__section-title">
<div class="slider-menu__section-title--download">
<a class="c-app-link__item" href="https://itunes.apple.com/nz/app/heartland-mobile-app/id1401756383" target="_blank" rel="noopener noreferrer">
<div class="c-app-link__item-inner">
<img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
<p class="c-app-link__copy">
<span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
<span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
</p>
</div>
</a>
<a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
<div class="c-app-link__item-inner">
<img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
<p class="c-app-link__copy">
<span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
<span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
</p>
</div>
</a>
</div>
</li>
</ul>
</div>
<div class="slider-menu slider-menu--business js-slider-menu-business">
<button id="mobile-hamburger" class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active" onclick="openCloseMenuSlider(event);">
<span class="hamburger-box">
<span class="hamburger-inner"></span>
</span>
</button>
<ul>
<li class="close-menu d-flex slider-menu__action-title">
<a class="page-header__logo-container" href="/">
<img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
</a>
</li>
<li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
<span class="slider-menu__action-icon"><i class="fa fa-chevron-left" aria-hidden="true"></i></span> Back
</li>
<li class="slider-menu__section-item-heading
                        ">
<a href="/business-loans" data-test-id="link-business-loans">Business Loans</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text js-open-menu-company-info">
<div class="row">
<div class="col-10"><p class="slider-menu__section-title-text my-auto">About us</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text js-open-menu-help">
<div class="row">
<div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text" href="/maori">Te reo M&#257;ori</a>
</li>
<li class="slider-menu__section-title">
<a tabindex href="https://digital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
</li>
<li class="slider-menu__section-title">
<div class="slider-menu__section-title--download">
<a class="c-app-link__item" href="https://itunes.apple.com/nz/app/heartland-mobile-app/id1401756383" target="_blank" rel="noopener noreferrer">
<div class="c-app-link__item-inner">
<img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
<p class="c-app-link__copy">
<span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
<span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
</p>
</div>
</a>
<a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
<div class="c-app-link__item-inner">
<img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
<p class="c-app-link__copy">
<span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
<span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
</p>
</div>
</a>
</div>
</li>
</ul>
</div>
<div class="slider-menu slider-menu--livestock js-slider-menu-rural">
<button id="mobile-hamburger" class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active" onclick="openCloseMenuSlider(event);">
<span class="hamburger-box">
<span class="hamburger-inner"></span>
</span>
</button>
<ul>
<li class="close-menu d-flex slider-menu__action-title">
<a class="page-header__logo-container" href="/">
<img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
</a>
</li>
<li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
<span class="slider-menu__action-icon">
<i class="fa fa-chevron-left" aria-hidden="true"></i>
</span> Back
</li>
<li class="slider-menu__section-item-heading
                        ">
<a href="/rural-loans" data-test-id="link-rural-loans">Rural Loans</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/rural-loans/livestock-finance" data-test-id="link-rural-loans-livestock-finance">Livestock Finance</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/rural-loans/sheep-beef-direct" data-test-id="link-rural-loans-sheep-beef-direct">Sheep &amp; Beef Direct</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/rural-loans/dairy-direct" data-test-id="link-rural-loans-dairy-direct">Dairy Direct</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/rural-loans/term-loans" data-test-id="link-rural-loans-term-loans">Term Finance</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/rural-loans/farm-transition-loan" data-test-id="link-rural-loans-farm-transition-loan">Farm Transition Loan</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text js-open-menu-company-info">
<div class="row">
<div class="col-10"><p class="slider-menu__section-title-text my-auto">About us</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text js-open-menu-help">
<div class="row">
<div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text" href="/maori">Te reo M&#257;ori</a>
</li>
<li class="slider-menu__section-title">
<a tabindex href="https://digital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
</li>
<li class="slider-menu__section-title">
<div class="slider-menu__section-title--download">
<a class="c-app-link__item" href="https://itunes.apple.com/nz/app/heartland-mobile-app/id1401756383" target="_blank" rel="noopener noreferrer">
<div class="c-app-link__item-inner">
<img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
<p class="c-app-link__copy">
<span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
<span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
</p>
</div>
</a>
<a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
<div class="c-app-link__item-inner">
<img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
<p class="c-app-link__copy">
<span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
<span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
</p>
</div>
</a>
</div>
</li>
</ul>
</div>
<div class="slider-menu slider-menu--cars js-slider-menu-cars">
<button id="mobile-hamburger" class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active" onclick="openCloseMenuSlider(event);">
<span class="hamburger-box">
<span class="hamburger-inner"></span>
</span>
</button>
<ul>
<li class="close-menu d-flex slider-menu__action-title">
<a class="page-header__logo-container" href="/">
<img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
</a>
</li>
<li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
<span class="slider-menu__action-icon"><i class="fa fa-chevron-left" aria-hidden="true"></i></span> Back
</li>
<li class="slider-menu__section-item-heading
                        ">
<a href="/car-loans" data-test-id="link-car-loans">Car Loans</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/car-loans/faqs" data-test-id="link-car-loans-faqs">Common questions</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/car-loans/insurance" data-test-id="link-car-loans-insurance">Insurance</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/car-loans/rates-fees-terms" data-test-id="link-car-loans-rates-fees-terms">Rates, fees &amp; terms</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/car-loans/insurance/rating-solvency" data-test-id="link-car-loans-insurance-rating-solvency">Rating &amp; solvency</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/car-loans/ev-loans" data-test-id="link-car-loans-ev-loans">Electric Vehicle Loans</a>
</li>
<li class="slider-menu__section-item">
<form action="/Car/Car/Application" method="post" style="padding: 1rem 2rem;">
<input type="hidden" name="onlineId" />
<input type="hidden" name="reCaptchaToken" class="reCaptchaToken" />
<input type="hidden" name="OriginWebPage" value="car-loans (/)" />
<button type="submit" id="tracking__car-loans__header__apply-now" class="c-button c-button--primary-three js-waitforrecaptchatoken" itemprop="url">Apply now</button>
<input type="hidden" name="as_sfid" value="AAAAAAXJm6iE00Y_ktAXjtTzydD4TDD4psddldeQ-BBNW6wjOIWxDIhksPwIOTa7pO4BBW7pLSMQTeQdyUDInmPBKYbPMp0ol6xlsRGTsdMmDs2OyrZSusncy95ib6JgmGIogX1qOcp4XZPce1TG2xtnpzIHO9rNZP4cTXHRJKFa1n53CQ==" /><input type="hidden" name="as_fid" value="a0ff72c39219b471ed3cd1d0e27c71892462f07d" /></form>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text js-open-menu-company-info">
<div class="row">
<div class="col-10"><p class="slider-menu__section-title-text my-auto">About us</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text js-open-menu-help">
<div class="row">
<div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text" href="/maori">Te reo M&#257;ori</a>
</li>
<li class="slider-menu__section-title">
<a tabindex href="https://digital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
</li>
<li class="slider-menu__section-title">
<div class="slider-menu__section-title--download">
<a class="c-app-link__item" href="https://itunes.apple.com/nz/app/heartland-mobile-app/id1401756383" target="_blank" rel="noopener noreferrer">
<div class="c-app-link__item-inner">
<img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
<p class="c-app-link__copy">
<span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
<span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
</p>
</div>
</a>
<a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
<div class="c-app-link__item-inner">
<img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
<p class="c-app-link__copy">
<span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
<span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
</p>
</div>
</a>
</div>
</li>
</ul>
</div>
<div class="slider-menu slider-menu--seniors js-slider-menu-seniors">
<button id="mobile-hamburger" class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active" onclick="openCloseMenuSlider(event);">
<span class="hamburger-box">
<span class="hamburger-inner"></span>
</span>
</button>
<ul>
<li class="close-menu d-flex slider-menu__action-title">
<a class="page-header__logo-container" href="/">
<img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
</a>
</li>
<li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
<span class="slider-menu__action-icon"><i class="fa fa-chevron-left" aria-hidden="true"></i></span> Back
</li>
<li class="slider-menu__section-item-heading
                        ">
<a href="/reverse-mortgage" data-test-id="link-reverse-mortgage">Reverse Mortgages</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/reverse-mortgage/what-is-a-reverse-mortgage" data-test-id="link-reverse-mortgage-what-is-a-reverse-mortgage">What is a reverse mortgage?</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/reverse-mortgage/what-can-i-do-with-my-reverse-mortgage" data-test-id="link-reverse-mortgage-what-can-i-do-with-my-reverse-mortgage">What can I do with my loan?</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/reverse-mortgage/customer-stories" data-test-id="link-reverse-mortgage-customer-stories">Our customer stories</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/reverse-mortgage/reverse-mortgage-calculator" data-test-id="link-reverse-mortgage-reverse-mortgage-calculator">Calculate my loan</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/reverse-mortgage/useful-resources" data-test-id="link-reverse-mortgage-useful-resources">Useful resources</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/reverse-mortgage/interest-rates" data-test-id="link-reverse-mortgage-interest-rates">Rates &amp; fees</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/reverse-mortgage/existing-customer-information" data-test-id="link-reverse-mortgage-existing-customer-information">Existing customers</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/reverse-mortgage/advisors" data-test-id="link-reverse-mortgage-advisors">Advisors</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/reverse-mortgage/news" data-test-id="link-reverse-mortgage-news">News</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/reverse-mortgage/partners" data-test-id="link-reverse-mortgage-partners">Partnerships</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/reverse-mortgage/common-questions" data-test-id="link-reverse-mortgage-common-questions">Common questions</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text js-open-menu-company-info">
<div class="row">
<div class="col-10"><p class="slider-menu__section-title-text my-auto">About us</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text js-open-menu-help">
<div class="row">
<div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text" href="/maori">Te reo M&#257;ori</a>
</li>
<li class="slider-menu__section-title">
<a tabindex href="https://digital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
</li>
<li class="slider-menu__section-title">
<div class="slider-menu__section-title--download">
<a class="c-app-link__item" href="https://itunes.apple.com/nz/app/heartland-mobile-app/id1401756383" target="_blank" rel="noopener noreferrer">
<div class="c-app-link__item-inner">
<img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
<p class="c-app-link__copy">
<span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
<span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
</p>
</div>
</a>
<a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
<div class="c-app-link__item-inner">
<img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
<p class="c-app-link__copy">
<span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
<span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
</p>
</div>
</a>
</div>
</li>
</ul>
</div>
<div class="slider-menu slider-menu--homeloans js-slider-menu-homeloans">
<button id="mobile-hamburger" class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active" onclick="openCloseMenuSlider(event);">
<span class="hamburger-box">
<span class="hamburger-inner"></span>
</span>
</button>
<ul>
<li class="close-menu d-flex slider-menu__action-title">
<a class="page-header__logo-container" href="/">
<img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
</a>
</li>
<li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
<span class="slider-menu__action-icon"><i class="fa fa-chevron-left" aria-hidden="true"></i></span> Back
</li>
<li class="slider-menu__section-item-heading
                        ">
<a href="/home-loans" data-test-id="link-home-loans">Home Loans</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/home-loans/revolving-credit" data-test-id="link-home-loans-revolving-credit">Revolving credit</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/home-loans/repayments-calculator" data-test-id="link-home-loans-repayments-calculator">Repayments calculator</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/home-loans/refinance-calculator" data-test-id="link-home-loans-refinance-calculator">Refix comparison calculator</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/home-loans/refinance-your-mortgage-with-heartland" data-test-id="link-home-loans-refinance-your-mortgage-with-heartland">Refinance with Heartland</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/home-loans/rates" data-test-id="link-home-loans-rates">Rates &amp; fees</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/home-loans/faqs" data-test-id="link-home-loans-faqs">Common questions</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text js-open-menu-company-info">
<div class="row">
<div class="col-10"><p class="slider-menu__section-title-text my-auto">About us</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text js-open-menu-help">
<div class="row">
<div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text" href="/maori">Te reo M&#257;ori</a>
</li>
<li class="slider-menu__section-title">
<a tabindex href="https://digital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
</li>
<li class="slider-menu__section-title">
<div class="slider-menu__section-title--download">
<a class="c-app-link__item" href="https://itunes.apple.com/nz/app/heartland-mobile-app/id1401756383" target="_blank" rel="noopener noreferrer">
<div class="c-app-link__item-inner">
<img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
<p class="c-app-link__copy">
<span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
<span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
</p>
</div>
</a>
<a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
<div class="c-app-link__item-inner">
<img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
<p class="c-app-link__copy">
<span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
<span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
</p>
</div>
</a>
</div>
</li>
</ul>
</div>
<div class="slider-menu slider-menu--mobile-app js-slider-menu-mobile-app">
<button id="mobile-hamburger" class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active" onclick="openCloseMenuSlider(event);">
<span class="hamburger-box">
<span class="hamburger-inner"></span>
</span>
</button>
<ul>
<li class="close-menu d-flex slider-menu__action-title">
<a class="page-header__logo-container" href="/">
<img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
</a>
</li>
<li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
<span class="slider-menu__action-icon"><i class="fa fa-chevron-left" aria-hidden="true"></i></span> Back
</li>
<li class="slider-menu__section-item-heading
                        ">
<a href="/mobile-app" data-test-id="link-mobile-app">Mobile app</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/new-user-access" data-test-id="link-new-user-access">New user access</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/mobile-app/how-to-guides" data-test-id="link-mobile-app-how-to-guides">How-to guides</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text js-open-menu-company-info">
<div class="row">
<div class="col-10"><p class="slider-menu__section-title-text my-auto">About us</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text js-open-menu-help">
<div class="row">
<div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text" href="/maori">Te reo M&#257;ori</a>
</li>
<li class="slider-menu__section-title">
<a tabindex href="https://digital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
</li>
<li class="slider-menu__section-title">
<div class="slider-menu__section-title--download">
<a class="c-app-link__item" href="https://itunes.apple.com/nz/app/heartland-mobile-app/id1401756383" target="_blank" rel="noopener noreferrer">
<div class="c-app-link__item-inner">
<img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
<p class="c-app-link__copy">
<span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
<span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
</p>
</div>
</a>
<a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
<div class="c-app-link__item-inner">
<img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
<p class="c-app-link__copy">
<span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
<span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
</p>
</div>
</a>
</div>
</li>
</ul>
</div>
<div class="slider-menu slider-menu--company-info js-slider-menu-company-info">
<button id="mobile-hamburger" class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active" onclick="openCloseMenuSlider(event);">
<span class="hamburger-box">
<span class="hamburger-inner"></span>
</span>
</button>
<ul>
<li class="close-menu d-flex slider-menu__action-title">
<a class="page-header__logo-container" href="/">
<img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
</a>
</li>
<li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
<span class="slider-menu__action-icon"><i class="fa fa-chevron-left" aria-hidden="true"></i></span> Back
</li>
<li class="slider-menu__section-item-heading
                        ">
<a href="/about-us" data-test-id="link-about-us">About us</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/about-us/history-of-heartland-bank" data-test-id="link-about-us-history-of-heartland-bank">Our history</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/about-us/careers" data-test-id="link-about-us-careers">Careers</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/about-us/diversity-and-inclusion" data-test-id="link-about-us-diversity-and-inclusion">Diversity and inclusion</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/about-us/sponsorship" data-test-id="link-about-us-sponsorship">Sponsorship</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/about-us/documents-and-forms" data-test-id="link-about-us-documents-and-forms">Documents &amp; forms</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/about-us/news" data-test-id="link-about-us-news">News</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text js-open-menu-help">
<div class="row">
<div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
<div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
</div>
</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text" href="/maori">Te reo M&#257;ori</a>
</li>
<li class="slider-menu__section-title">
<a tabindex href="https://digital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
</li>
<li class="slider-menu__section-title">
<div class="slider-menu__section-title--download">
<a class="c-app-link__item" href="https://itunes.apple.com/nz/app/heartland-mobile-app/id1401756383" target="_blank" rel="noopener noreferrer">
<div class="c-app-link__item-inner">
<img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
<p class="c-app-link__copy">
<span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
<span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
</p>
</div>
</a>
<a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
<div class="c-app-link__item-inner">
<img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
<p class="c-app-link__copy">
<span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
<span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
</p>
</div>
</a>
</div>
</li>
</ul>
</div>
<div class="slider-menu slider-menu--help js-slider-menu-help">
<button id="mobile-hamburger" class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active" onclick="openCloseMenuSlider(event);">
<span class="hamburger-box">
<span class="hamburger-inner"></span>
</span>
</button>
<ul>
<li class="close-menu d-flex slider-menu__action-title">
<a class="page-header__logo-container" href="/">
<img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
</a>
</li>
<li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
<span class="slider-menu__action-icon"><i class="fa fa-chevron-left" aria-hidden="true"></i></span> Back
</li>
<li class="slider-menu__section-item-heading
                        ">
<a href="/contact-us" data-test-id="link-contact-us">Contact us</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/support" data-test-id="link-support">Support</a>
</li>
<li>
<hr class="slider-menu__hr" />
</li>
<li class="slider-menu__section-title">
<a class="slider-menu__section-title-text" href="/maori">Te reo M&#257;ori</a>
</li>
<li class="slider-menu__section-title">
<a tabindex href="https://digital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
</li>
<li class="slider-menu__section-title">
<div class="slider-menu__section-title--download">
<a class="c-app-link__item" href="https://itunes.apple.com/nz/app/heartland-mobile-app/id1401756383" target="_blank" rel="noopener noreferrer">
<div class="c-app-link__item-inner">
<img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
<p class="c-app-link__copy">
<span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
<span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
</p>
</div>
</a>
<a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
<div class="c-app-link__item-inner">
<img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
<p class="c-app-link__copy">
<span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
<span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
</p>
</div>
</a>
</div>
</li>
</ul>
</div>
</nav>
</header>
<main id="mainContent" class="body-content">
<section class="c-section-block white-background home-hero">
<div class="c-section-block__inner hero-grid">
<h1 class="c-section-block__header">
Snap up a market leading 5.00% p.a. on call savings rate in minutes*
</h1>
<div class="c-section-block__copy">
<div class="c-section-block__para">
<ul class="list-unstyled hds-list">
<li>No minimum monthly deposit or monthly fees</li>
<li>5.00% p.a. interest earned on every dollar</li>
<li>No fees for digital self-service withdrawals until 2024</li>
<li>Open an account in minutes</li>
</ul>
</div>
<div class="c-section-block__buttons">
<div class="c-section-block__button">
<form action="/SavingsAndDeposits/SavingsAndDeposits/Application" method="post" class="d-inline">
<input type="hidden" name="onlineId" />
<input type="hidden" name="reCaptchaToken" class="reCaptchaToken" />
<input type="hidden" name="product" class="product" value="digital-saver" />
<input type="hidden" name="OriginWebPage" value="home page digital saver (/)" />
<button type="submit" id="tracking__home-page__hds__apply" class="c-button nowrap c-button--primary-three mb-4 mb-md-0 js-waitforrecaptchatoken">Apply now</button>
<input type="hidden" name="as_sfid" value="AAAAAAXeJ_FOtIjGZ5OOBTV92qS7aRy9Y5X6RUn_OUdMln_CMhuehCAY86tTJW7I3O04f60OpSkl-W01ODOTGF6PopRcllahQzcdFbX7KuV5aT3TgwUBe_rFmLRm9B2Fsa0xsf0BGF5a_7s9-Schdc3JFrY4mNk4UDj2HWHSn1qpbDiyPA==" /><input type="hidden" name="as_fid" value="14f8afbfbc023a6749b17c77d26e45c56a3794b5" /></form>
<a id="tracking__home-page__hds__tell-me-more" class="c-button nowrap c-button--primary-two-outline ml-0 ml-md-3" href="/savings-and-deposits/digital-saver">Tell me more</a>
</div>
</div>
<div class="c-section-block__small mt-4">
* Market leading interest rate offered by a bank for an on call account with a single applicable interest rate (i.e. no bonus or premium rate).
</div>
</div>
<div class="c-section-block__asset">
<picture class="c-picture curve-bottom-left">
<source srcset="/Images/Corporate/homepage-hero-mobile.jpg?v=2023.12.4.1059-133460677480000000" media="(max-width: 767.98px)">
<source srcset="/Images/Corporate/homepage-hero-tablet.jpg?v=2023.12.4.1059-133460677480000000" media="(max-width: 1023.98px)">
<source srcset="/Images/Corporate/homepage-hero-desktop.jpg?v=2023.12.4.1059-133460677480000000">
<img class="c-picture__img-item  curve-bottom-left" src="/Images/Corporate/homepage-hero-tablet.jpg?v=2023.12.4.1059-133460677480000000" alt="Young family in the backyard of their new home. Enjoy your dream family home with Heartland&#39;s low home loan rates.">
</picture>
</div>
</div>
</section>
<section class="c-section-multi-products__section">
<div class="c-section-multi-products__inner home-page-products">
<a id="tracking__home-page__tiles__notice-saver" class="c-section-multi-products__inner-item" href="/savings-and-deposits/notice-saver">
<div class="c-section-multi-products__left-container">
<h4 class="c-section-multi-products__header">32 DAY NOTICE SAVER</h4>
<span class="c-section-multi-products__info">Earn 5.25%&nbsp;p.a. interest on your&nbsp;savings</span>
</div>
<img class="c-section-multi-products__icon" src="/Images/Icons/purple/notice-saver.svg?v=2023.12.4.1059-133460677480000000" alt />
</a>
<a id="tracking__home-page__tiles__term-deposits" class="c-section-multi-products__inner-item" href="/savings-and-deposits/term-deposits">
<div class="c-section-multi-products__left-container">
<h4 class="c-section-multi-products__header">TERM DEPOSITS</h4>
<span class="c-section-multi-products__info">Earn 6.15% p.a.<br> for 9 months</span>
</div>
<img class="c-section-multi-products__icon" src="/Images/Icons/purple/term-deposit-purple.svg?v=2023.12.4.1059-133460677480000000" alt />
</a>
<a id="tracking__home-page__tiles__home-loans" class="c-section-multi-products__inner-item" href="home-loans">
<div class="c-section-multi-products__left-container">
<h4 class="c-section-multi-products__header">HOME LOANS</h4>
<span class="c-section-multi-products__info">1 year fixed at 6.99%&nbsp;p.a.</span>
</div>
<img class="c-section-multi-products__icon big-icon" src="/Images/Corporate/home-lender-canstar-2023.png?v=2023.12.4.1059-133460677480000000" alt />
</a>
</div>
</section>
<section class="c-section-block c-section-block--get-started">
<div class="c-section-block__inner">
<img class="c-section-block__image" src="/Images/Corporate/get-started-phone.png" alt="Get started online" />
<div class="c-section-block__device">
<div>
<h2>
Get started online
</h2>
<p>
Take control of your banking with the Heartland Mobile App.
Select your device type from the drop-down list to learn more and get started.
</p>
</div>
<div id="app" v-cloak>
<v-app>
<get-started></get-started>
</v-app>
<div class="mobile-app-banner-buttons" id="links">
<div class="c-section-block__button" id="desktop-link">
<a id="tracking__home-page__get-started__log-in" class="c-button nowrap c-button--primary-two" href="https://digital.heartland.co.nz" target="_blank">Log in</a>
</div>
<div class="c-app-link c-app-link--reverse" id="store-link">
<div class="c-app-link__inner c-app-link__inner--mobile-app">
<div class="storelink_wrap" id="apple-store-link">
<a id="tracking__home-page__get-started__apple-store-link" class="c-app-link__item " href="https://itunes.apple.com/nz/app/heartland-mobile-app/id1401756383" target="_blank">
<div class="c-app-link__item-inner">
<img src="/Images/Corporate/app-store-logo-apple.svg" alt class="c-app-link__icon" style="width: 3rem">
<p class="c-app-link__copy">
<span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
<span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
</p>
</div>
</a>
</div>
<div class="storelink_wrap" id="play-store-link">
<a id="tracking__home-page__get-started__play-store-link" class="c-app-link__item " href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank">
<div class="c-app-link__item-inner">
<img src="/Images/Corporate/app-store-logo-google.svg?1" alt class="c-app-link__icon" style="width: 2.5rem">
<p class="c-app-link__copy">
<span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
<span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
</p>
</div>
</a>
</div>
</div>
</div>
<div class="c-section-block__button">
<a id="tracking__home-page__get-started__learn-more" class="c-button nowrap c-button--secondary-one" href="/mobile-app">Learn more</a>
</div>
</div>
</div>
</div>
</div>
</section>
<section class="c-section-block white-background home-hero">
<div class="c-section-block__inner hero-grid">
<h1 class="c-section-block__header">
Enjoy more freedom in retirement with a reverse mortgage
</h1>
<div class="c-section-block__copy">
<div class="c-section-block__para">
Release equity from your home with a Heartland Reverse Mortgage.
Enjoy financial flexibility and a lifestyle you love while continuing to own and live in your home
</div>
<div class="c-section-block__buttons">
<div class="c-section-block__button">
<form action="/Seniors/Seniors/Application" method="post" class="d-inline">
<input type="hidden" name="onlineId" />
<input type="hidden" name="reCaptchaToken" class="reCaptchaToken" />
<input type="hidden" name="OriginWebPage" value="reverse-mortgages (/)" />
<button type="submit" id="tracking__home-page__reverse-mortgage__apply" class="c-button nowrap c-button--primary-three mb-4 mb-md-0 js-waitforrecaptchatoken" itemprop="url">Apply now</button>
<input type="hidden" name="as_sfid" value="AAAAAAU9Q6N_UVEvztz4Oa5728uQxO569bc6AVXiga6P3dSj5miHA0mzOKFFAr9lowCWTQlx3FRiDDER5haLgjRX9L-QcOP9m5sNiy79ZMUFj-LLU6EpR1U1tUpBx0gnIF4vvMCevHOkSZOV05ijCVVfG-oYrcFJV2oPw4um51ucNwZtYg==" /><input type="hidden" name="as_fid" value="2cb2213c008c6b556e28987a5e013b376a58e7fa" /></form>
<a id="tracking__home-page__reverse-mortgage__tell-me-more" class="c-button nowrap c-button--primary-two-outline ml-0 ml-md-3" href="/reverse-mortgage">Tell me more</a>
</div>
</div>
</div>
<div class="c-section-block__asset">
<picture class="c-picture curve-bottom-left">
<source srcset="/Images/Corporate/homepage-rmnz-mobile.jpg?v=2023.12.4.1059-133460677480000000" media="(max-width: 767.98px)">
<source srcset="/Images/Corporate/homepage-rmnz-tablet.jpg?v=2023.12.4.1059-133460677480000000" media="(max-width: 1023.98px)">
<source srcset="/Images/Corporate/homepage-rmnz-desktop.jpg?v=2023.12.4.1059-133460677480000000">
<img class="c-picture__img-item  curve-bottom-left" src="/Images/Corporate/homepage-rmnz-tablet.jpg?v=2023.12.4.1059-133460677480000000" alt="Young family in the backyard of their new home. Enjoy your dream family home with Heartland&#39;s low home loan rates.">
</picture>
</div>
</div>
</section>
<div class="c-section-block-icon  c-section-block-icon--4x f9f9ff-background">
<div class="c-section-block-icon__inner">
<h2 class="c-section-block-icon__header">How can we help?</h2>
<ul class="c-section-block-icon__items">
<li class="c-section-block-icon__item">
<a id="tracking__home-page__how-can-we-help__sd" class="c-section-block-icon__item-link" href="/savings-and-deposits">
<img class="c-section-block-icon__item-img" src="/Images/Icons/icon-deposits.svg?v=2023.12.4.1059-133460677480000000" alt>
<div class="c-section-block-icon__item-header">
<h3 class="c-section-block-icon__item-header-title">Savings & Deposits</h3>
</div>
</a>
</li>
<li class="c-section-block-icon__item">
<a id="tracking__home-page__how-can-we-help__rm" class="c-section-block-icon__item-link" href="/reverse-mortgage">
<img class="c-section-block-icon__item-img" src="/Images/Icons/icon-reverse-mortgages.svg?v=2023.12.4.1059-133460677480000000" alt>
<div class="c-section-block-icon__item-header">
<h3 class="c-section-block-icon__item-header-title">Reverse Mortgages</h3>
</div>
</a>
</li>
<li class="c-section-block-icon__item">
<a id="tracking__home-page__how-can-we-help__bl" class="c-section-block-icon__item-link" href="/business-loans">
<img class="c-section-block-icon__item-img" src="/Images/Icons/icon-business-loans.svg?v=2023.12.4.1059-133460677480000000" alt>
<div class="c-section-block-icon__item-header">
<h3 class="c-section-block-icon__item-header-title">Business Loans</h3>
</div>
</a>
</li>
<li class="c-section-block-icon__item">
<a id="tracking__home-page__how-can-we-help__hl" class="c-section-block-icon__item-link" href="/home-loans">
<img class="c-section-block-icon__item-img" src="/Images/Icons/icon-home-loans.svg?v=2023.12.4.1059-133460677480000000" alt>
<div class="c-section-block-icon__item-header">
<h3 class="c-section-block-icon__item-header-title">Home Loans</h3>
</div>
</a>
</li>
<li class="c-section-block-icon__item">
<a id="tracking__home-page__how-can-we-help__cl" class="c-section-block-icon__item-link" href="/car-loans">
<img class="c-section-block-icon__item-img" src="/Images/Icons/icon-car-loans.svg?v=2023.12.4.1059-133460677480000000" alt>
<div class="c-section-block-icon__item-header">
<h3 class="c-section-block-icon__item-header-title">Car Loans</h3>
</div>
</a>
</li>
<li class="c-section-block-icon__item">
<a id="tracking__home-page__how-can-we-help__rl" class="c-section-block-icon__item-link" href="/rural-loans">
<img class="c-section-block-icon__item-img" src="/Images/Icons/icon-livestock.svg?v=2023.12.4.1059-133460677480000000" alt>
<div class="c-section-block-icon__item-header">
<h3 class="c-section-block-icon__item-header-title">Rural Loans</h3>
</div>
</a>
</li>
<li class="c-section-block-icon__item">
<a id="tracking__home-page__how-can-we-help__db" class="c-section-block-icon__item-link" href="/mobile-app">
<img class="c-section-block-icon__item-img" src="/Images/Icons/icon-digital-banking.svg?v=2023.12.4.1059-133460677480000000" alt>
<div class="c-section-block-icon__item-header">
<h3 class="c-section-block-icon__item-header-title">Digital Banking</h3>
</div>
</a>
</li>
<li class="c-section-block-icon__item">
<a id="tracking__home-page__how-can-we-help__hs" class="c-section-block-icon__item-link" href="/support">
<img class="c-section-block-icon__item-img" src="/Images/Icons/icon-help-support.svg?v=2023.12.4.1059-133460677480000000" alt>
<div class="c-section-block-icon__item-header">
<h3 class="c-section-block-icon__item-header-title">Help &amp; Support</h3>
</div>
</a>
</li>
</ul>
</div>
</div>
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<footer class="l-footer">
<div class="l-footer__inner">
<nav class="l-footer__top" aria-label="Footer main navigation">
<div class="l-footer__item">
<h6 class="l-footer__header l-footer__header--desktop" data-target="#ourProducts">
Products
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<button class="l-footer__header l-footer__header--btn" aria-expanded="false" data-toggle="collapse" data-target="#ourProducts">
Products
<svg class="l-footer__header-icon" viewBox="0 0 8 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M1 1.53589L7 7.03589L0.999998 12.5359" stroke="white" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg>
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<ul id="ourProducts" class="l-footer__list collapse" data-parent=".l-footer__top">
<li class="l-footer__list-item">
<a class="l-footer__list-item-link" href="/savings-and-deposits">Savings &amp; Deposits</a>
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<a class="l-footer__list-item-link" href="/reverse-mortgage">Reverse Mortgages</a>
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<a class="l-footer__list-item-link" href="/business-loans">Business Loans</a>
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<a class="l-footer__list-item-link" href="/rural-loans">Rural Loans</a>
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<a class="l-footer__list-item-link" href="/car-loans">Car Loans</a>
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<h6 class="l-footer__header l-footer__header--desktop" data-target="#usefulResources">
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Get our app
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<img src="/Images/Corporate/app-store-logo-apple-white.svg" alt class="c-app-link__icon">
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<span class="c-app-link__copy-header">Download for</span>
<span class="c-app-link__copy-sub-header">Apple</span>
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<a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
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<img src="/Images/Corporate/app-store-logo-google.svg?1" alt class="c-app-link__icon">
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<span class="c-app-link__copy-header">Download for</span>
<span class="c-app-link__copy-sub-header">Android</span>
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