Home Loans rates, fees and terms
You’ll find all you need to know about interest rates and fees for Heartland Home Loans here. Our current home loan rates are below. Interest rates are subject to change without notice. We will confirm the applicable interest rate for your loan during the loan application process.
Revolving credit (floating)
1 year fixed
18 month fixed
2 year fixed
3 year fixed
Loan setup fees
We won’t charge you anything when you apply online for a Heartland Home Loan.
We may charge you this fee if you apply for an increase to your existing loan, including approval and acceptance.
We may charge you this fee if we agree to vary the terms of your Heartland Home Loan.
We will charge you this fee to release your mortgage once your loan is repaid.
Fixed rate loan prepayment administrative fee
We may charge you this fee if you make a full or part prepayment under your Heartland Home Loan.
We will charge you any reasonable estimate of our loss (if fixed rate).
We will charge you any costs charged by third parties if you breach the terms of your Heartland Home Loan (e.g. legal fees) or if we take steps to enforce or protect our rights or our security. We can provide copies of the invoices on request.
We will charge you any costs for payments that we may incur on your behalf. We can provide copies of the invoices on request.
Revolving credit service fees and limits
Direct debit dishonour fee
We may charge this fee if you do not honour a direct debit from your account.
EFTPOS card daily limit
You can spend up to $3,000 from your account EFTPOS card each day.
ATM daily withdrawal limits
You can withdrawal up to $1,500 (NZD) from your account from ATMs in New Zealand or overseas each day.
Domestic ATM withdrawal fee
We won’t charge you anything to withdraw money from your account while in New Zealand.
International ATM withdrawal fee
We will charge you this fee for every ATM transaction made at an overseas ATM machine. Every international ATM withdrawal will also have a currency conversion included.
International ATM balance enquiry fee
Max. $0.75 (NZD)
We will charge you this fee for every ATM balance enquiry made at an overseas ATM machine.
Card replacement fee
We will charge this fee if you request a replacement card.