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LIVESTOCK FINANCE

Purpose-built for Kiwi farmers

Get 100% finance for stock purchases. Security is only taken over the stock purchased, so your existing security arrangements with your bank aren’t impacted.

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I want to buy:

I want to buy:

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Why Heartland Livestock Finance?

Since 2007, we’ve provided thousands of Kiwis with livestock finance. Our goal is to make buying stock quicker and easier for busy farmers.

  • 100% stock purchase finance available

  • No repayments until the stock are sold

  • Security only taken over the livestock purchased

  • Use any stock agent or purchase method you choose

  • Use revolving credit facility for trading or finishing purposes

  • Once repaid, use your facility to purchase more stock

Lending criteria, terms, conditions and fees apply.

How does it work?

  1. Complete our 3-step online application in minutes. Step
  2. We’ll confirm your details and loan structure, conduct any required checks and request any supporting documents.
  3. Find the stock you want to purchase and send us the invoice. Step
  4. We’ll pay the seller directly, and you’ll receive the stock.

Got questions?

Our interest rates are based on your individual circumstances. This will range from 11.49% p.a. to 12.45% p.a.
Your livestock invoice can be sent to [email protected].
The amount of time it takes to set up your loan depends on how soon we receive your documentation back. Once your documentation has been received, we’ll be in touch to confirm next steps.

No, the online application is one part of the process designed to reduce the amount of paperwork you need to fill out.

When you apply online, a rural relationship manager will call you to talk through your options including our fees, interest rate and documentation needed.

If your application is approved you will receive a loan document that, once you accept and sign, will finalise your application.

You will not incur any fees until we pay your first livestock invoice.

Success stories

I wasn’t really planning on getting finance, but everything just seemed to fall into place this year. I started exploring different options, and Heartland’s Open for Livestock product seemed to be the ideal solution. Double quote Read more
South Canterbury
My brother Donald and I have been in a dairy grazing partnership for close to 20 years. This year, we also decided to take on 350 yearling bulls to increase farm cashflow, and we were recommended Heartland Bank. Double quote Read more
Auckland
My wife and I enjoy finishing lambs as a side business, and one year we decided to buy more lambs than usual. When we saw the ad for Heartland’s Open for Livestock loan, we decided to go for it. Double quote Read more
Canterbury
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Next repayment on 19 Aug 2025
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