Our story

Our story

Welcome to doing things differently

Heartland's origins date back to Ashburton, New Zealand in 1875. From a small building society. In a small South Island town. With big ambitions. Those ambitions haven't changed.

In 2011, in the wake of the Global Financial Crisis, that small building society merged with several other financial institutions to become Heartland.

With more than 145 years up our sleeve, we know a thing or two about banking. We've also been listed on the New Zealand stock exchange since 2011, and the Australian stock exchange since 2018 (NZX/ASX: HGH).

Drawing on that experience is the foundation we continue to be built on.

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Interactive timeline
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Best or only finance

Rather than do what's been done, we commit to doing things differently.

We focus on providing products that are the best or only of their kind. Our commitment to digitalisation also allows us to turn the expected ways on their head. Because we find them as frustrating as our customers do.

Whether it's freeing up cash, living retirement on your terms, being your own boss, or getting a great interest rate on your home loan or online savings or deposit account. Across New Zealand and Australia, we're here to save our customers time and money. While striving for exceptional value for shareholders.

Our brands

With our roots firmly in the ground, we have a strong market position in New Zealand. Heartland Bank (New Zealand) is New Zealand's leading provider of reverse mortgages, has been awarded Canstar NZ's Savings Bank of the Year 2018-2022, and consistently provides market-leading or competitive home loan rates.

And we're growing. Not only in New Zealand, but in Australia too.

Across the ditch in Australia, Heartland Bank (Australia) (Challenger Bank Limited trading as Heartland Bank) is a digital specialist bank that is proud to offer competitive savings products. Through Heartland Finance it is Australia’s leading provider of reverse mortgages, and through StockCo Australia it leads the pack in providing specialist livestock finance for food producers across the country.

Heartland Bank NZ

Heartland Bank AU

Heartland Finance