HEARTLAND BANK

Heartland has been helping Kiwis with their finances since 1875. We’ve evolved a lot along the way, but our commitment to doing things differently hasn’t changed. In everything we do, our aim is to make it as easy as possible for you to manage your money from wherever you are – so you can spend more time on the things that

matter.

INTERNET BANKING

It’s easy to set yourself up with both online platforms. All you need to do is complete the Internet Banking Registration Form and email it to invest@heartland.co.nz or contact us on 0800 85 20 20 20 between 8.00am to 5.30pm, Monday to Friday.

BUSINESS LOANS NZ

business a boost. We don’t think business banking should be hard. In fact, we believe it should make your life easier. Whether you’re looking to purchase an asset or just need a cash injection, Heartland offers a number of business finance options that could work for you.

REVERSE MORTGAGE NZ

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. YouTube. Heartland Bank. 69 subscribers. Subscribe.

HOME LOANS RATES

Rates and fees for home loans offered to business customers. For home loans offered to our business customers, our interest rate for these home loans is between 3.70% p.a. and 5.95% p.a. For these existing customers, you can view fees, rates and terms here. Heartland’s TERM DEPOSIT NEW ZEALAND You are able to request an early full or partial break by contacting our Retail Investments team on 0800 85 20 20 or invest@heartland.co.nz . Can I have my interest paid monthly? For terms of 12 months or longer with a minimum deposit of $50,000, interest can be paid out monthly to a New Zealand bank account of your choice. What happens

when

CAREERS | HEARTLAND BANK CAREERS Join our Heartland. Heartland is an innovative and award-winning financial services group. We’re committed to creating a culture of inclusivity that celebrates our diversity and supports the wellbeing of our people.

INTERNET BANKING

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SHARE PRICE

Shareholder Support. You can view and update your shareholder details on the website of our share registrar Link Market Services. www.linkmarketservices.co.nz

OR, - HEARTLAND

Deceased Estate Notification For notification, redemption or transfer of accounts, we require the following to be sent to us (Estates@heartland.co.nz) direct from the solicitor or Executor:

HEARTLAND BANK

Heartland has been helping Kiwis with their finances since 1875. We’ve evolved a lot along the way, but our commitment to doing things differently hasn’t changed. In everything we do, our aim is to make it as easy as possible for you to manage your money from wherever you are – so you can spend more time on the things that

matter.

INTERNET BANKING

It’s easy to set yourself up with both online platforms. All you need to do is complete the Internet Banking Registration Form and email it to invest@heartland.co.nz or contact us on 0800 85 20 20 20 between 8.00am to 5.30pm, Monday to Friday.

BUSINESS LOANS NZ

business a boost. We don’t think business banking should be hard. In fact, we believe it should make your life easier. Whether you’re looking to purchase an asset or just need a cash injection, Heartland offers a number of business finance options that could work for you.

REVERSE MORTGAGE NZ

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. YouTube. Heartland Bank. 69 subscribers. Subscribe.

HOME LOANS RATES

Rates and fees for home loans offered to business customers. For home loans offered to our business customers, our interest rate for these home loans is between 3.70% p.a. and 5.95% p.a. For these existing customers, you can view fees, rates and terms here. Heartland’s TERM DEPOSIT NEW ZEALAND You are able to request an early full or partial break by contacting our Retail Investments team on 0800 85 20 20 or invest@heartland.co.nz . Can I have my interest paid monthly? For terms of 12 months or longer with a minimum deposit of $50,000, interest can be paid out monthly to a New Zealand bank account of your choice. What happens

when

CAREERS | HEARTLAND BANK CAREERS Join our Heartland. Heartland is an innovative and award-winning financial services group. We’re committed to creating a culture of inclusivity that celebrates our diversity and supports the wellbeing of our people.

INTERNET BANKING

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SHARE PRICE

Shareholder Support. You can view and update your shareholder details on the website of our share registrar Link Market Services. www.linkmarketservices.co.nz

OR, - HEARTLAND

Deceased Estate Notification For notification, redemption or transfer of accounts, we require the following to be sent to us (Estates@heartland.co.nz) direct from the solicitor or Executor:

BUSINESS LOANS NZ

business a boost. We don’t think business banking should be hard. In fact, we believe it should make your life easier. Whether you’re looking to purchase an asset or just need a cash injection, Heartland offers a number of business finance options that could work for you.

HEARTLAND DIGITAL

Heartland Digital has a similar look and feel to the Heartland Mobile App and is accessible across most modern web browsers. To start using Heartland Digital, just log in with the same user ID and password you use for the Heartland Mobile App on your device of choice. If you need help logging in, call us on 0800 85 20 20 or email us. HOME LOANS FROM 1.85% P.A. 1-YEAR FIXED Refinancing doesn't have to be a hassle. With our simple online application and flexible options, we aim to make the process of switching to a Heartland Home Loan as easy as possible. Choose our 1.95% p.a. floating rate and stay floating for 12 months, and you

could also get

CAR LOANS & FINANCE

Give our car loans team a call on 0800 85 30 30, and we’ll see what we can do to change your loan to suit your circumstances (there may be a fee to restructure your loan). What is the security for my car loan? The security will be the car you’ve purchased, although we may ask for additional security and/or a

RURAL LOANS NZ

RURAL LOANS Finance that’s farm fit. We know finance and we know farmers. Our team is made up of like-minded people who have a real interest in the land and the farming community, so we’re perfectly placed to help your business grow. YOUCHOOSE OVERDRAFT & SAVINGS ACCOUNT YouChoose is a savings account with an optional overdraft – so you can choose whether you’d like to add on an overdraft or keep it just for savings. The overdraft is based on two months of your average income. However, you can choose to have a lower amount to a minimum of $500. The maximum is $10,000. What happens if I go over my overdraft TERM DEPOSIT NEW ZEALAND You are able to request an early full or partial break by contacting our Retail Investments team on 0800 85 20 20 or invest@heartland.co.nz . Can I have my interest paid monthly? For terms of 12 months or longer with a minimum deposit of $50,000, interest can be paid out monthly to a New Zealand bank account of your choice. What happens

when

INTERNET BANKING

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CREDIT RATING

Credit Rating Fitch Ratings: BBB. Outlook "Stable". In May 2020 Fitch Ratings affirmed Heartland Bank's Long-Term Foreign-Currency Issuer Default Rating (IDR) at BBB with outlook "Stable".. A rating of BBB from Fitch Ratings indicates that expectations of default risk are

currently low.

LIVESTOCK MARKET ESSENTIALS UPDATE BY HEARTLAND BANK BEEF MARKET UPDATE. Weather concerns have been front of mind for farmers over the past couple of weeks. Despite the comparison against last year’s drought, there are still significant rain deficits throughout the North Island. Gisborne, Hawke’s Bay, Dannevirke and Wairarapa were running over 100mm behind year-ago rainfall totals at

the

HEARTLAND BANK

Heartland has been helping Kiwis with their finances since 1875. We’ve evolved a lot along the way, but our commitment to doing things differently hasn’t changed. In everything we do, our aim is to make it as easy as possible for you to manage your money from wherever you are – so you can spend more time on the things that

matter.

INTERNET BANKING

It’s easy to set yourself up with both online platforms. All you need to do is complete the Internet Banking Registration Form and email it to invest@heartland.co.nz or contact us on 0800 85 20 20 20 between 8.00am to 5.30pm, Monday to Friday.

HOME LOANS RATES

Rates and fees for home loans offered to business customers. For home loans offered to our business customers, our interest rate for these home loans is between 3.70% p.a. and 5.95% p.a. For these existing customers, you can view fees, rates and terms here. Heartland’s

REVERSE MORTGAGE NZ

Meet 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

INTEREST RATES

Minimum term deposit investment $1,000. Maximum $5,000,000. Interest accrues and is payable daily in arrears on the principal amount of any unarranged overdraft on a transactional account or a savings account at Heartland Bank's prevailing interest rate for unarranged overdrafts, currently 26.70% p.a. This interest may be debited by

Heartland

YOUCHOOSE OVERDRAFT & SAVINGS ACCOUNT YouChoose is a savings account with an optional overdraft – so you can choose whether you’d like to add on an overdraft or keep it just for savings. The overdraft is based on two months of your average income. However, you can choose to have a lower amount to a minimum of $500. The maximum is $10,000. What happens if I go over my overdraft

HEARTLAND BANK

Heartland has been helping Kiwis with their finances since 1875. We’ve evolved a lot along the way, but our commitment to doing things differently hasn’t changed. In everything we do, our aim is to make it as easy as possible for you to manage your money from wherever you are – so you can spend more time on the things that

matter.

INTERNET BANKING

It’s easy to set yourself up with both online platforms. All you need to do is complete the Internet Banking Registration Form and email it to invest@heartland.co.nz or contact us on 0800 85 20 20 20 between 8.00am to 5.30pm, Monday to Friday.

HOME LOANS RATES

Rates and fees for home loans offered to business customers. For home loans offered to our business customers, our interest rate for these home loans is between 3.70% p.a. and 5.95% p.a. For these existing customers, you can view fees, rates and terms here. Heartland’s

REVERSE MORTGAGE NZ

Meet 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

INTEREST RATES

Minimum term deposit investment $1,000. Maximum $5,000,000. Interest accrues and is payable daily in arrears on the principal amount of any unarranged overdraft on a transactional account or a savings account at Heartland Bank's prevailing interest rate for unarranged overdrafts, currently 26.70% p.a. This interest may be debited by

Heartland

YOUCHOOSE OVERDRAFT & SAVINGS ACCOUNT YouChoose is a savings account with an optional overdraft – so you can choose whether you’d like to add on an overdraft or keep it just for savings. The overdraft is based on two months of your average income. However, you can choose to have a lower amount to a minimum of $500. The maximum is $10,000. What happens if I go over my overdraft

REVERSE MORTGAGE NZ

Meet 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

BUSINESS LOANS NZ

business a boost. We don’t think business banking should be hard. In fact, we believe it should make your life easier. Whether you’re looking to purchase an asset or just need a cash injection, Heartland offers a number of business finance options that could work for you. YOUCHOOSE OVERDRAFT & SAVINGS ACCOUNT YouChoose is the everyday account that rewards you with 0.50% interest p.a. on every dollar in the bank. No minimum deposit, no setup or monthly fees, and no limit on transactions. Apply online or in the Heartland Mobile App. Start your savings journey here. Applying online is easy as – and you don’t need. TERM DEPOSIT NEW ZEALAND You are able to request an early full or partial break by contacting our Retail Investments team on 0800 85 20 20 or invest@heartland.co.nz . Can I have my interest paid monthly? For terms of 12 months or longer with a minimum deposit of $50,000, interest can be paid out monthly to a New Zealand bank account of your choice. What happens

when

RURAL LOANS NZ

RURAL LOANS Finance that’s farm fit. We know finance and we know farmers. Our team is made up of like-minded people who have a real interest in the land and the farming community, so we’re perfectly placed to help your business grow.

INTERNET BANKING

Please login to Internet Banking. User ID. Virtual Keyboard; Standard

Keyboard

CREDIT RATING

Credit Rating Fitch Ratings: BBB. Outlook "Stable". In May 2020 Fitch Ratings affirmed Heartland Bank's Long-Term Foreign-Currency Issuer Default Rating (IDR) at BBB with outlook "Stable".. A rating of BBB from Fitch Ratings indicates that expectations of default risk are

currently low.

LIVESTOCK FINANCE FROM OPEN FOR LIVESTOCK 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

APPLICATION FORM

Heartland Seniors Finance is a brand established and owned by Heartland Bank Limited 1 2 1. Residents and Ownership Nominated Residents are those who reside in the property over which the Heartland Reverse Mortgage will be held. DECEASED ESTATE DECLARATION AND CLAIM/INDEMNITY DECLARATION AND INDEMNITY I , of , and I , of , solemnly and sincerely declare that: (select one) I/We are the person/people named as Executor/Executrix (circle one) in the will of the deceased.

HEARTLAND BANK

Heartland has been helping Kiwis with their finances since 1875. We’ve evolved a lot along the way, but our commitment to doing things differently hasn’t changed. In everything we do, our aim is to make it as easy as possible for you to manage your money from wherever you are – so you can spend more time on the things that

matter.

INTERNET BANKING

It’s easy to set yourself up with both online platforms. All you need to do is complete the Internet Banking Registration Form and email it to invest@heartland.co.nz or contact us on 0800 85 20 20 20 between 8.00am to 5.30pm, Monday to Friday.

HOME LOANS RATES

Rates and fees for home loans offered to business customers. For home loans offered to our business customers, our interest rate for these home loans is between 3.70% p.a. and 5.95% p.a. For these existing customers, you can view fees, rates and terms here. Heartland’s

REVERSE MORTGAGE NZ

Meet 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

INTEREST RATES

Minimum term deposit investment $1,000. Maximum $5,000,000. Interest accrues and is payable daily in arrears on the principal amount of any unarranged overdraft on a transactional account or a savings account at Heartland Bank's prevailing interest rate for unarranged overdrafts, currently 26.70% p.a. This interest may be debited by

Heartland

YOUCHOOSE OVERDRAFT & SAVINGS ACCOUNT YouChoose is a savings account with an optional overdraft – so you can choose whether you’d like to add on an overdraft or keep it just for savings. The overdraft is based on two months of your average income. However, you can choose to have a lower amount to a minimum of $500. The maximum is $10,000. What happens if I go over my overdraft

HEARTLAND BANK

Heartland has been helping Kiwis with their finances since 1875. We’ve evolved a lot along the way, but our commitment to doing things differently hasn’t changed. In everything we do, our aim is to make it as easy as possible for you to manage your money from wherever you are – so you can spend more time on the things that

matter.

INTERNET BANKING

It’s easy to set yourself up with both online platforms. All you need to do is complete the Internet Banking Registration Form and email it to invest@heartland.co.nz or contact us on 0800 85 20 20 20 between 8.00am to 5.30pm, Monday to Friday.

HOME LOANS RATES

Rates and fees for home loans offered to business customers. For home loans offered to our business customers, our interest rate for these home loans is between 3.70% p.a. and 5.95% p.a. For these existing customers, you can view fees, rates and terms here. Heartland’s

REVERSE MORTGAGE NZ

Meet 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

INTEREST RATES

Minimum term deposit investment $1,000. Maximum $5,000,000. Interest accrues and is payable daily in arrears on the principal amount of any unarranged overdraft on a transactional account or a savings account at Heartland Bank's prevailing interest rate for unarranged overdrafts, currently 26.70% p.a. This interest may be debited by

Heartland

YOUCHOOSE OVERDRAFT & SAVINGS ACCOUNT YouChoose is a savings account with an optional overdraft – so you can choose whether you’d like to add on an overdraft or keep it just for savings. The overdraft is based on two months of your average income. However, you can choose to have a lower amount to a minimum of $500. The maximum is $10,000. What happens if I go over my overdraft

REVERSE MORTGAGE NZ

Meet 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

BUSINESS LOANS NZ

business a boost. We don’t think business banking should be hard. In fact, we believe it should make your life easier. Whether you’re looking to purchase an asset or just need a cash injection, Heartland offers a number of business finance options that could work for you. YOUCHOOSE OVERDRAFT & SAVINGS ACCOUNT YouChoose is the everyday account that rewards you with 0.50% interest p.a. on every dollar in the bank. No minimum deposit, no setup or monthly fees, and no limit on transactions. Apply online or in the Heartland Mobile App. Start your savings journey here. Applying online is easy as – and you don’t need. TERM DEPOSIT NEW ZEALAND You are able to request an early full or partial break by contacting our Retail Investments team on 0800 85 20 20 or invest@heartland.co.nz . Can I have my interest paid monthly? For terms of 12 months or longer with a minimum deposit of $50,000, interest can be paid out monthly to a New Zealand bank account of your choice. What happens

when

RURAL LOANS NZ

RURAL LOANS Finance that’s farm fit. We know finance and we know farmers. Our team is made up of like-minded people who have a real interest in the land and the farming community, so we’re perfectly placed to help your business grow.

INTERNET BANKING

Please login to Internet Banking. User ID. Virtual Keyboard; Standard

Keyboard

CREDIT RATING

Credit Rating Fitch Ratings: BBB. Outlook "Stable". In May 2020 Fitch Ratings affirmed Heartland Bank's Long-Term Foreign-Currency Issuer Default Rating (IDR) at BBB with outlook "Stable".. A rating of BBB from Fitch Ratings indicates that expectations of default risk are

currently low.

LIVESTOCK FINANCE FROM OPEN FOR LIVESTOCK 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

APPLICATION FORM

Heartland Seniors Finance is a brand established and owned by Heartland Bank Limited 1 2 1. Residents and Ownership Nominated Residents are those who reside in the property over which the Heartland Reverse Mortgage will be held. DECEASED ESTATE DECLARATION AND CLAIM/INDEMNITY DECLARATION AND INDEMNITY I , of , and I , of , solemnly and sincerely declare that: (select one) I/We are the person/people named as Executor/Executrix (circle one) in the will of the deceased.

HEARTLAND BANK

Heartland Bank is here to help. We offer Business Loans, Home Loans, Car Finance, Reverse Mortgages, Savings & Investment options and

Livestock Finance.

INTERNET BANKING

How do I sign up for Heartland Internet Banking and Heartland Digital? It’s easy to set yourself up with both online platforms. All you need to do is complete the Internet Banking Registration Form and email it to or contact us on 0800 85 20 20 20 between 8.00am to 5.30pm, Monday to Friday.

HOME LOANS RATES

Home loan interest rates from 1.85% p.a. All you need to know about interest rates, fees and terms for Heartland Home Loans.

REVERSE MORTGAGE NZ

Meet 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.

INTEREST RATES

Community - available to clubs groups and organisations that qualify for non-profit status. % p.a. Up to $5,000: 0.10: $5,000 + 0.50 TERM DEPOSIT NEW ZEALAND Term Deposits Make your hard-earned savings work harder. Our term deposit investment terms range from 30 days to five years, offering competitive interest CAREERS | HEARTLAND BANKHEARTLAND BANKHEARTLAND BANK NZHEARTLAND BANK

NEW ZEALAND

CAREERS Join our Heartland. Heartland is an innovative and award-winning financial services group. We’re committed to creating a culture of inclusivity that celebrates our diversity and supports the wellbeing of our people.

INTERNET BANKING

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HEARTLAND BANK

Heartland Bank is here to help. We offer Business Loans, Home Loans, Car Finance, Reverse Mortgages, Savings & Investment options and

Livestock Finance.

INTERNET BANKING

How do I sign up for Heartland Internet Banking and Heartland Digital? It’s easy to set yourself up with both online platforms. All you need to do is complete the Internet Banking Registration Form and email it to or contact us on 0800 85 20 20 20 between 8.00am to 5.30pm, Monday to Friday.

HOME LOANS RATES

Home loan interest rates from 1.85% p.a. All you need to know about interest rates, fees and terms for Heartland Home Loans.

REVERSE MORTGAGE NZ

Meet 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.

INTEREST RATES

Community - available to clubs groups and organisations that qualify for non-profit status. % p.a. Up to $5,000: 0.10: $5,000 + 0.50 TERM DEPOSIT NEW ZEALAND Term Deposits Make your hard-earned savings work harder. Our term deposit investment terms range from 30 days to five years, offering competitive interest CAREERS | HEARTLAND BANKHEARTLAND BANKHEARTLAND BANK NZHEARTLAND BANK

NEW ZEALAND

CAREERS Join our Heartland. Heartland is an innovative and award-winning financial services group. We’re committed to creating a culture of inclusivity that celebrates our diversity and supports the wellbeing of our people.

INTERNET BANKING

Please login to Internet Banking. User ID. Virtual Keyboard; Standard

Keyboard

REVERSE MORTGAGE NZ

Meet 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.

BUSINESS LOANS NZ

Business Loans Give your business a boost. We don’t think business banking should be hard. In fact, we believe it should make your life

easier.

RURAL LOANS NZ

RURAL LOANS Finance that’s farm fit. We know finance and we know farmers. Our team is made up of like-minded people who have a real interest in the land and the farming community, so we’re perfectly placed to help your business grow. TERM DEPOSIT NEW ZEALAND Term Deposits Make your hard-earned savings work harder. Our term deposit investment terms range from 30 days to five years, offering competitive interest YOUCHOOSE OVERDRAFT & SAVINGS ACCOUNT A savings & overdraft account under one roof. Earn 0.50% p.a. interest on the money you've got in the bank. Add on an overdraft to help you manage unexpected costs at 10% p.a.

INTERNET BANKING

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Keyboard

CREDIT RATING

Credit Rating Fitch Ratings: BBB. Outlook "Stable". In May 2020 Fitch Ratings affirmed Heartland Bank's Long-Term Foreign-Currency Issuer Default Rating (IDR) at BBB with outlook "Stable".. A rating of BBB from Fitch Ratings indicates that expectations of default risk are

currently low.

LIVESTOCK FINANCE FROM OPEN FOR LIVESTOCK 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 REVERSE MORTGAGE APPLICATION FORM Heartland Seniors Finance is a brand established and owned by Heartland Bank Limited 1 2 1. Residents and Ownership Nominated Residents are those who reside in the property over which the Heartland Reverse Mortgage will be held. DECEASED ESTATE DECLARATION AND CLAIM/INDEMNITY DECLARATION AND INDEMNITY I , of , and I , of , solemnly and sincerely declare that: (select one) I/We are the person/people named as Executor/Executrix (circle one) in the will of the deceased. Skip to main content

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2.50% P.A. FLOATING HOME LOAN RATE Why pay so much for your home loan? Get market-leading fixed rates or the lowest floating rate among banks with Heartland Home Loans.

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The Heartland Mobile App is now brighter and more user-friendly, making managing your accounts easier. Download on the App Store Get it on Google Play

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WELCOME TO DOING THINGS DIFFERENTLY Heartland has been helping Kiwis with their finances since 1875. We’ve evolved a lot along the way, but our commitment to doing things differently hasn’t changed. In everything we do, our aim is to make it as easy as possible for you to manage your money from wherever you are – so you can spend more time on the things that

matter.

Get to know us

HERE’S WHAT WE DO

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SAVINGS & DEPOSITS

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REVERSE MORTGAGES

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BUSINESS LOANS

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HOME LOANS

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CAR LOANS

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RURAL LOANS

COVID-19 UPDATE

We’re continuing to monitor advice from authorities. Find out more about how we might be able to help if you need financial support. He waka eke noa, we’re all in this together. Keep up to date here

.

REVERSE MORTGAGES

LIVE A MORE COMFORTABLE RETIREMENT Release equity from your home with a Heartland Reverse Mortgage. Enjoy financial flexibility, independence and a lifestyle you love while continuing to own and live in your home. What is a reverse mortgage?

KEEPING YOUR

DETAILS SAFE

Your security is as important to us as it is to you. We work hard to keep your details safe and have data encryption, password protections and other privacy and data security technology and processes in place

to keep you safe.

See our security features

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TWO-LAYER DATA ENCRYPTION Sensitive data through the app is encrypted twice to protect your

banking details

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FINGERPRINT IDENTIFICATION Log into the app securely with unique fingerprint ID on supported

devices

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SESSION TIMEOUT

You’ll be logged out of the app when it’s not in use

GET IN TOUCH

Need to chat? We’re here to help.

Contact us

PRODUCTS

Products

* Savings & Deposits

* Reverse Mortgages

* Business Loans

* Rural Loans

* Car Loans

* Home Loans

* Personal Loans

* Heartland Extend (Consumer)

USEFUL RESOURCES

Useful resources

* Online security

* Identification requirements

* Biometrics

* Docusign

* Online EFTPOS

* Documents and forms * Unforeseen hardship * Anti-Money Laundering

* Corporate card

COMPANY INFO

Company info

* About us

* Careers

* Sponsorship

* News

* Shareholders

CONTACT US

Contact us

* 0800 85 20 20

* Overseas: +649 927 9641

GET OUR APP

Download on the App Store

Requires iOS 11+

Get it on Google Play Requires Android 5.1+

DIGITAL BANKING

Digital Banking

* Internet Banking

* Heartland Digital

* Heartland Mobile App

COVID-19

COVID-19

* COVID-19 support

GET OUR APP

Download on the App Store

Requires iOS 11+

Get it on Google Play Requires Android 5.1+ * Compliments & complaints

* Privacy statement

* Disclosure statements * Website terms of use * Heartland Facebook page * Heartland LinkedIn page * Heartland YouTube channel * Heartland Instagram 1890189118921893189418951896189718981899190019011902190319041905190619071908190919101911191219131914191519161917191819191920192119221923192419251926192719281929193019311932193319341935193619371938193919401941194219431944194519461947194819491950195119521953195419551956195719581959196019611962196319641965196619671968196919701971197219731974197519761977197819791980198119821983198419851986198719881989199019911992199319941995199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019202020212022202320242025202620272028202920302031203220332034203520362037203820392040Today