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<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 (/rural-loans/farm-transition-loan)" />
<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="AAAAAAWST4QUkPnb_cGbhzxrVMIGHt1WBQGkKU99EHayNbS7m2-ZQXvC3ROvzmohtV0OhEBQhFZAPWnA8zRyyt_Uwa7nZ0ezCzRn2e_svFgvbYacGAB8kY4dS5andH4Lz74F6LSQU3DHyZAvXmhYuJq2ivaMyJF2ralwrDttjEgFa7dy5Q==" /><input type="hidden" name="as_fid" value="125f8da29d741975c4077ffa3502307955ad9a99" /></form>
</li>
</ul>
</li>
<li class="nav-item nav-submenu-link">
<a href="/business-loans" class="nav-link" data-test-id="products-business-loans">Business Loans</a>
<ul class="nav-submenu">
<li class="nav-subitem">
<a class="nav-link" href="/business-loans/purpose" data-test-id="link-business-loans-purpose">Loan purposes</a>
</li>
<li class="nav-subitem">
<a class="nav-link" href="/business-loans/common-questions" data-test-id="link-business-loans-common-questions">Common questions</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 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-support">
<a href="/support" class="nav-link">Support</a>
</li>
<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-online-security">
<a href="/online-security" class="nav-link">Online security</a>
</li>
</ul>
</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__farm-transition-loan__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--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--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--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--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--rural-loans">
<a class="nav-item-main-rural--active 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 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 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 class="slider-menu__section-item
                        ">
<a href="/business-loans/purpose" data-test-id="link-business-loans-purpose">Loan purposes</a>
</li>
<li class="slider-menu__section-item
                        ">
<a href="/business-loans/common-questions" data-test-id="link-business-loans-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 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
                        slider-menu-sub--highlight">
<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 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 (/rural-loans/farm-transition-loan)" />
<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="AAAAAAVv4lTv-BWZKGkTJORnxPWxBVua_57vMw0_v050nT1EUkKBSWAe7wnZVtRqNTatwNDNy_0tv9gMJL5dglLGaXNJARAihp2rSWIeb7j4LOmC6Veet6ezgVVpwCRbeI1aPCCwb55d4F0e16mZSjOm3uHeWC0bUPw1bYzHpAHKLfM-Cw==" /><input type="hidden" name="as_fid" value="125f8da29d741975c4077ffa3502307955ad9a99" /></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 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 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 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>
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<h1 class="c-section-block__sub-header">Farm Transition Loan</h1>
<h1 class="c-section-block__header">Prepare for life after farming</h1>
<p class="c-section-block__para">A Heartland Farm Transition Loan helps you borrow against the equity in your property – so you can complete farm improvements and maximise value before you move on.</p>
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<img class="c-picture__img-item  curve-bottom-left" src="/Images/Livestock/FarmTransitionLoan/farm-transition-hero.jpg" srcset="/Images/Livestock/FarmTransitionLoan/farm-transition-hero-2x.jpg 2x" alt="Two older farmers discussing Heartland&#39;s farm transition loan.">
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<h2 class="rl-eligible__title">Why a Heartland Farm Transition Loan?</h2>
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Carry out deferred maintenance on the farm
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Get to those farm improvements you’ve wanted to make
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Buy your next home to provide certainty for your family
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Give us a call on <a href="tel:0800432700">0800 432 700</a>, email us at <a href="/cdn-cgi/l/email-protection#325b5c545d725a575340465e535c561c515d1c5c48"><span class="__cf_email__" data-cfemail="5e373038311e363b3f2c2a323f303a703d31703024">[email&#160;protected]</span></a>, or
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