Heartland is an established New Zealand bank with roots stretching back to 1875. We provide ‘best or only’ banking products in three key sectors: Household (including residential mortgages, consumer lending, reverse mortgages and motor vehicle lending), Business and Rural.


Service the Heartland way

We pride ourselves on delivering exceptional personal service to our customers, tailored to their specific needs:

  • A fast and responsive service to homebuyers and small business owners, who value speed and certainty.
  • A high touch, personal service to New Zealand seniors (60+ years), which is a growing demographic with specific financial needs.
  • A frictionless digital experience to the emerging ‘millennial’ market, who value speed and ease.

Code of Banking Practice

The Code of Banking Practice sets out standards for good banking practice. We adhere to the Code (as a member of the New Zealand Bankers' Association) and see it as a minimum standard to maintain good relationships and communications with our customers.