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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.

Floating

1.95

%

p.a.

1 year fixed

1.85

%

p.a.

2 year fixed

2.35

%

p.a.

3 year fixed

2.45

%

p.a.

Revolving credit

2.35

%

p.a.

Charged monthly

Loan setup fees

Establishment fee

Nil

We won’t charge you anything when you apply online for a Heartland Home Loan.

Maintenance

Refinance fee

$98

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

Variation fee

$98

We may charge you this fee if we agree to vary the terms of your Heartland Home Loan.

Discharge fee

$25

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

Fixed rate loan prepayment administrative fee

$15

We may charge you this fee if you make a full or part prepayment under your Heartland Home Loan.

Prepayment fee

We will charge you any reasonable estimate of our loss (if fixed rate).

Recovery costs

Actual costs

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.

Other costs

Actual costs

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

$32

We may charge this fee if you do not honour a direct debit from your account.

Online EFTPOS payments

Free

We won’t charge you anything to make purchases through Online EFTPOS.

Online EFTPOS daily limit

$3,000

You can spend up to $3,000 through Online EFTPOS each day.

EFTPOS card daily limit

$3,000

You can spend up to $3,000 from your account EFTPOS card each day.

ATM daily withdrawal limits

$1,500

You can withdrawal up to $1,500 (NZD) from your account from ATMs in New Zealand or overseas each day.

Domestic ATM withdrawal fee

Free

We won’t charge you anything to withdraw money from your account while in New Zealand.

International ATM withdrawal fee

$6 (NZD)

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

$13

We will charge this fee if you request a replacement card.