Heartland Bank

About Heartland Bank

At Heartland Bank we like to think that we make the impossible possible.

So when other banks and lenders say no, we will consider your loan application and look for a way to make things possible for you. When it comes to home loans no one is better positioned to offer you a competitive deal than us!

Save for your Home Loan Deposit with us

Heartland Bank offer some of the best and highest interest savings and investment accounts in the country – so if you want to apply for a home loan and are looking to save up for your deposit than start with a Heartland savings account today to save more faster! We also offer home and business loans as well as senior finance solutions.

What Heartland Bank can offer you

Heartland bank offer a range of floating and fixed rate mortgages with flexible loan terms of up to 30 years.

You can choose the repayment frequency you prefer, offer a deposit of 20% or 40%, make extra payments as and when you like and save thousands over the course of your loan term.

Our Floating Rate Home Loans

Our floating rate home loans are one of our most popular choices for home buyer because it offers you a great deal of flexibility that is not available with other options. With this option you are free to make extra payments throughout the term of your loan and even change the set up of the loan when you feel necessary without incurring any penalty fees.

In a Nutshell

  •  Fixed-rate home loans
  •  Floating-rate home loans
  •  Interest-only home loans
  •  Interest rate From 6.70% to 8.55%
  •  Loan term maximum 30 years
  •  Online application
  •  In-store application

The Home Loan Application Process at Heartland Bank

If you are looking to buy a home and cannot save up the required amount to pay a 20% deposit Heartland Bank may be able to assist you via our Welcome Home Loans if you meet the income and living requirements.

This is ideal for people who want to buy their very first home and are struggling to do it.

Apply for a Home Loan Online or In-Branch!

You can make a loan application online, in-branch or by contacting us telephonically to discuss your options. We offer a fully assisted mortgage application process so you know you'll be assisted every step of the way so you can get things right from the word go. We also welcome new customers to apply for a home loan with us.

Eligibility & Requirements

Other Products & Services

  • Home Loans
  • Personal Loans
  • Live Stock Loans
  • Business Loans

Contact Details

 Visit Website


 Physical Address

  • 35 Teed Street, Auckland, Auckland, 1023, New Zealand

 Postal Address

  • PO Box 9919, Newmarket, Auckland, 1149, New Zealand

Opening Hours

  •  Monday 09:00 – 16:30
  •  Tuesday 09:00 – 16:30
  •  Wednesday 09:00 – 16:30
  •  Thursday 09:00 – 16:30
  •  Friday 09:00 – 16:30
  •  Saturday Closed –
  •  Sunday Closed –