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Home Loans (for Business Customers) rates, fees and terms

Interest rates

Our interest rates for these home loans are floating rates between 3.70% p.a. to 5.95% p.a. These rates are subject to change without notice. These rates are indicative only and an additional margin may apply to any lending as determined by Heartland Bank in its sole discretion. Please contact us for further information on 0800 85 20 20.

Loan fees

Refinance fee


We will charge you this fee if you apply for an increase to your existing loan, including approval and acceptance.

Variation fee


We will charge you this fee if we vary the terms of your mortgage.

Discharge fee


We will charge you this fee to release your mortgage once your loan is repaid.


Recovery costs

We will charge you any costs charged by third parties relating to your loan or the loan documents (e.g. legal fees). We can provide copies of the invoices on request

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