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Reverse Mortgages

Make the most of your hard work and live the life you want with a Heartland Bank Reverse Mortgage. We’ve helped over 25,000 Kiwis release their home equity. Even a small amount can make a difference. So when life happens, you can remain independent and secure.
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What is a reverse mortgage?
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Get a free information pack

In the info pack, you can find out about:
  • what a reverse mortgage is
  • how Kiwis use their reverse mortgage
  • features and how you’re protected.
Get a free info pack

What are some of the benefits?

  • 100% ownership You remain the registered owner of the property. You can continue to stay in your home and enjoy the benefits of your community for as long as you want.
  • No regular payments required There is no need for regular loan repayments. Interest is calculated on the balance outstanding and added to your loan.
  • No negative equity guarantee The amount required to repay your loan will never exceed the net sale proceeds of your property.

*Subject to complying with the terms and conditions of the Heartland Reverse Mortgage.

Contact us

[email protected] The reverse mortgage team will get back to you within one business day.
Call us on 0800 488 740 Monday to Friday,
8.30am - 5.00pm

Are you looking to move into retirement village living?

Designed for Kiwis planning to move into a retirement village, our Village Access Loan uses the value of your current house to fund your next move - without needing to sell it first.
Heartland’s responsible lending criteria, terms, conditions, and fees apply.

How can we help?

New Reverse Mortgage application

If you are new to Heartland and wish to apply for a Reverse Mortgage, please select apply here.

Cash Reserve request

If you already have a Reverse Mortgage and wish to draw funds from an existing account, please apply here.

Request a Cash Reserve