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Our floating rate has dropped to 1.95% p.a.

Heartland’s famously low home loan interest rates have just gone down – again. Choose between our 1.95% p.a. floating rate, 1.85% p.a. 1-year fixed rate or a combination of both.

Floating rate

1.95 % p.a. % p.a. Floating rate


1 year fixed rate

1.85 % p.a. % p.a. 1 year rate


Life is mobile.
So are we.

The next generation of the Heartland Mobile App makes it easier for you to access new features and manage your accounts on the go. Download or update the app below.

  • Open new accounts

    In real time without leaving the app.

  • Personalise

    Change the text size, colour theme and account names to suit you.

  • Notifications

    Get personalised messages with information, updates and promotions.

The next generation of the Heartland Mobile App makes it easier for you to access new features and manage your accounts on the go. Download or update the app below.

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

REVERSE MORTGAGES

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.

Heartland Reverse Mortgages

Get in touch

Need to chat? We’re here to help.

Contact us