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2.50% p.a. floating home loan rate

Why pay so much for your home loan? Get market-leading fixed rates or the lowest floating rate among banks with Heartland Home Loans.

Home Loans at 2.50% Floating Rate in NZ

Life is mobile,
so are we

The Heartland Mobile App is now brighter and more user-friendly, making managing your accounts easier.

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

Covid-19 update

We’re continuing to monitor advice from authorities. Find out more about how we might be able to help if you need financial support. He waka eke noa, we’re all in this together. Keep up to date here.


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

Keeping your
details safe

Your security is as important to us as it is to you. We work hard to keep your details safe and have data encryption, password protections and other privacy and data security technology and processes in place to keep you safe.

See our security features
  • Two-layer data encryption

    Sensitive data through the app is encrypted twice to protect your banking details

  • Fingerprint identification

    Log into the app securely with unique fingerprint ID on supported devices

  • Session timeout

    You’ll be logged out of the app when it’s not in use

Secure message

Get in touch

Need to chat? We’re here to help.

Contact us