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Reverse Mortgages

Freedom in retirement

We are New Zealand’s leading reverse mortgage provider. Since 2004, we have helped more than 18,000 Kiwis enjoy more freedom in retirement.

Call free: 0800 488 740
Consumer trusted

How can we help today?

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.


Meet our team

Our team

Heartland Bank is New Zealand’s leading reverse mortgage provider. We’re proud of our New Zealand heritage, which stretches back to 1875, and have been helping Kiwis over 60 to release equity from their homes since 2004. We put our customers first and are committed to going the extra mile to provide you advice and guidance through each step of the process.

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Enjoy a better lifestyle in retirement