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2.89%p.a.1 year fixed

I have
a home

Refinance it

I am buying
a home

Get pre-approval

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

Apply online

From 2.89% p.a.

From 2.89% p.a.

No set up fees

No set up fees

Flexible repayment frequency

Flexible repayment frequency

apply online

Apply online

From 2.89% p.a.

From 2.89% p.a.

No set up fees

No set up fees

Flexible repayment frequency

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

Apply online
 

Complete the easy, online application anytime, anywhere.

Get a decision

Get a decision
 

We’ll let you know if your application is conditionally approved.

Verify your information

Verify your information

We’ll confirm your details and conduct any further checks required.

Loan structure review

Loan structure review

We’ll confirm your loan structure to ensure it meets your needs.

Review the documents

Review the documents

Have a chat with your solicitor to finalise the loan documentation.

Receive your funds

Receive your funds

Once finalised, we’ll pay the funds out as instructed.

Apply online

Apply online

Complete the easy, online application anytime, anywhere.

Get a decision

Get a decision

We’ll let you know if your application is conditionally approved.

Verify your information

Verify your information

We’ll confirm your details and conduct any further checks required.

Loan structure review

Loan structure review

We’ll confirm your loan structure to ensure it meets your needs.

Review the documents

Review the documents

Have a chat with your solicitor to finalise the loan documentation.

Receive your funds

Receive your funds

Once finalised, we’ll pay the funds out as instructed

Get started today

I have
a home

Refinance it

I am buying
a home

Get pre-approval

Got questions?

At the end of your fixed rate term, the loan will revert to our floating rate. You can choose to renegotiate a further fixed term, at the rates applicable at the time.
We have a limited availability of Heartland Home Loans at this time. We have therefore put in place certain criteria that all applicants must meet. If you don’t meet these, you can always come back to us in the future as we may adjust these.
No, you will not automatically be moved across to a Heartland Home Loan. However, anyone who meets our eligibility requirements is welcome to apply, including our customers with an existing home loan. To find out more about home loans that were drawn down prior to 2020, please click here.
Applying for a home loan isn’t always straight forward. That’s why we designed Heartland Home Loans with a simple, online application. With great rates and flexible repayment frequencies, we’re here to help you get your dream home sorted, so you can get back to what really matters to you. Welcome to doing things differently. Get to know Heartland Bank a little better.

Heartland’s lending criteria, terms, conditions and fees apply.