About Open For Business

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 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 the neglected segment of the small business market, who value speed and certainty.
  • 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.

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Lending criteria, terms and conditions apply. $100 discount on the establishment fee only applies to business loans successfully drawn down.