About Us

Welcome to doing things differently

At Heartland we take a unique approach to being a bank - and we think you'll like it.

Here’s how we work.

We’re the bank that aims to provide a first class customer experience, whether it’s online, over the phone, or in person. We have a strong Kiwi heritage, and we’re proud to work with the best people and businesses of New Zealand. Our digital focus means we’re agile, responsive and can deliver what you need with speed and simplicity.

We make things easier for you

Whether it’s applying for a loan or making a term deposit, we are committed to finding a way to make it easier for you. We focus on speed and simplicity in everything we do so we can get to “yes” faster.

We know that your time is precious

We know that dealing with a bank is not at the top of your ‘to-do’ list. That’s why we spend our time finding more ways to give you more time to run your business, to enjoy your retirement, to get where you’re going faster. Your time is better spent doing the things you really want to do.

It’s our privilege to help you

We live in a changing financial world. So it’s not surprising that more and more investors are looking for excellent customer service and great rates. At Heartland we know you’ve worked hard for your money, and we’ll do our utmost to make your money work hard for you. Heartland is a New Zealand bank with roots stretching back to 1875 and a proud history of serving communities through respected names like CBS Canterbury, Southern Cross Building Society, PGG Wrightson Finance and MARAC. In 2015 we became the only NZ registered bank to be listed on the NZX Main Board.

The leader in Reverse Mortgages – both here and in Australia.

Heartland is not only leading the way in New Zealand as the largest reverse mortgage provider, but also owns Australia’s Heartland Seniors Finance. Established in 2004, Heartland Seniors Finance has assisted thousands of people aged 60 and over release equity from their home, helping them to live a better retirement, with independence.

Heartland purchased Heartland Seniors Finance, formerly Australian Seniors Finance, in 2014. Our award winning product and personal service makes Heartland Seniors Finance the Reverse Mortgage lender of choice for many Australian seniors.

Heartland Seniors Finance has won the Money Magazine Best Reverse Mortgage for seven consecutive years and is proud to be Canstar’s 2017 Reverse Mortgage Provider of the Year.

Our Management Team

Our experienced and diverse team has the skills, knowledge and vision needed to lead Heartland into the future of banking.

Board of Directors

View Full Team

Heartland Quick Facts

Heritage Heartland Bank's roots stretch back to 1875.
Credit rating

BBB (Outlook Stable) from Fitch Ratings.

100% for NZ NZ operated and managed.
NZX Main Board listed

Listed on the NZX Main Board, with approximately 11,000 shareholders. 

$4.0bn in Assets

Diversified portfolio of assets by business sector and geography.

$3.5bn in Liabilities

38,000 individual depositors, over half of whom have been with us for 10+ years.

Code of Banking Practice

The Code of Banking Practice sets out standards for good banking practice. We adhere to the Code (as a member of the New Zealand Bankers' Association) and see it as a minimum standard to maintain good relationships and communications with our customers.