Heartland Home Loans
Don’t spend your time waiting in line at the bank. We’ve created a simple, online application for our Heartland Home Loans. There is limited availability, so get in quick. And get back to what really matters to you.
Apply online
From 2.89% p.a.
No set up fees
Flexible repayment frequency
Apply online
From 2.89% p.a.
No set up fees
Flexible repayment frequency
Our rates
Choose the loan type that’s right for you, fixed, floating or a combination of both.
2.89
%
p.a.
1 year fixed
2.97
%
p.a.
2 year fixed
3.39
%
p.a.
3 year fixed
3.95
%
p.a.
floating
Interest rates accurate as at 04/03/2020
Use our calculator to estimate your repayments
Are you eligible?
We have limited availability for Heartland Home Loans. To be eligible to apply, you’ll need to be:
A New Zealand citizen or permanent resident, over 18 years old
Looking for a home and have a 20% deposit, or already owning a home and have at least 20% equity
Planning to live or currently living in the property
Able to meet the repayments over the requested loan term.
The home will need to be:
A standalone house on a single section that is freehold, cross lease or on a unit title
Owned or purchased either individually or with another person (but not in a trust or company).
You’ll also need to have your income paid into a YouChoose account. If you don’t have one, we can help you open one during the application process.
Heartland’s lending criteria, terms, conditions and fees apply.
How does it work?
Apply online
Complete the easy, online application anytime, anywhere.
Get a decision
We’ll let you know if your application is conditionally approved.
Verify your information
We’ll confirm your details and conduct any further checks required.
Loan structure review
We’ll confirm your loan structure to ensure it meets your needs.
Review the documents
Have a chat with your solicitor to finalise the loan documentation.
Receive your funds
Once finalised, we’ll pay the funds out as instructed.
Apply online
Complete the easy, online application anytime, anywhere.
Get a decision
We’ll let you know if your application is conditionally approved.
Verify your information
We’ll confirm your details and conduct any further checks required.
Loan structure review
We’ll confirm your loan structure to ensure it meets your needs.
Review the documents
Have a chat with your solicitor to finalise the loan documentation.
Receive your funds
Once finalised, we’ll pay the funds out as instructed
Get started today
I have
a home
I am buying
a home
Got questions?
Heartland’s lending criteria, terms, conditions and fees apply.