Financial service

Heartland Seniors Finance

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Heartland Seniors Finance is owned by Heartland Bank which has roots stretching back to 1875, and is proudly New Zealand operated and managed. Heartland Seniors Finance has the Heartland Home Equity Loan which allows seniors who own their own home to assess some of the equity in their home without having to sell it.

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Trusted business pledge

At Heartland Seniors Finance, we recognise the trust that those taking out a Heartland Home Equity Loan have placed in us. In return, we promise:

  1. Your home will remain the place you live in for as long as you choose.
  2. The amount required to repay the loan will never exceed the net sale proceeds of the property.
  3. There is no requirement to make any loan repayment until the end of the loan.

About Consumer Trusted

Consumer Trusted is designed to advance the interests of New Zealand consumers. By accrediting businesses committed to delivering fair and exceptional customer experiences beyond consumer law requirements we recognise stand-out business practices, provide consumers with confidence and lead the way in raising the standards of retail and service providers. All Consumer Trusted businesses comply with the Consumer NZ Code of Conduct (387 KB) based on 9 key principles. The programme Rules govern how the Code is assessed and compliance monitored. LEARN MORE

Advice and complaints

Sometimes things go wrong. Our advisory service is available to provide advice about issues or problems with any Consumer Trusted business. If you're a current Consumer member you can call us on 0800 266 786 or complete the Request for Advice form. If you’re not currently a member, call us on 0800 266 786 and we’ll help you resolve the issue.