Legacy home loan rates, fees and terms

Interest rates

Our interest rate for these home loans is between 5.65% p.a. and 6.70% 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

Establishment Fee


We will charge you this fee for processing a new loan application made directly to us, including approval and acceptance.

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.


Refund fee


We will charge you this fee if you overpay us and we refund you.

Statement fee


We will charge you this fee if we give you (at your request) an additional statement. We do not charge you this fee for providing any six monthly continuing disclosure statements.


Dishonoured payment fee


We will charge you this fee if your bank dishonours a payment you make to us.

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

Fees and costs added to loan balance

If we charge you any of the above fees or costs, we will add that amount to the amounts owing. That means we will charge interest on that amount until you pay it.

Default interest rates

If you do not pay an amount when it is due, then we will charge you interest at a default interest rate of 2% per annum above the current interest rate.

You can view Heartland Bank's latest Disclosure Statement here.

Legal documents