Tools and support
Customer assistance tools
At Heartland we are proud to have helped more than 28,000 Kiwis over 60 live a better retirement through a reverse mortgage.
We aim to provide customers with peace of mind and take our duty of care seriously. In line with this, we foster awareness of elder financial abuse among our people, including ensuring we’re aware of undue influence and unconscionable conduct, and take steps to both detect and prevent its occurrence where possible.
Existing customers
This information is provided to each customer upon settlement of their loan, in hard copy as the New Customer Guide.
If you have any other questions, or require further information regarding your loan, please do not hesitate to contact our Customer Care team on 0800 488 740 or [email protected].
Heartland Bank's Reverse Mortgage variable interest rate is 7.75% per annum from January 20, 2026.
If you are a Legacy client, and took out a loan between 2005 - 2014 please click here for interest rates that may apply to you.
The variable interest rate for loans settled between 1 November 2005 and 31 December 2009 with a 4% margin cap is 6.39% p.a.
The variable interest rate for loans settled between 1 January 2010 and 1 April 2014 with a 5% margin cap is 7.39% p.a.
New Customer Guide
Elder financial abuse
Elder financial abuse is any financial harm suffered by an elder caused by someone whom they trust and/or depend on. It can take many forms and may consist of a number of actions over a period of time rather than an isolated incident.
If you feel you are experiencing elder financial abuse you can contact your local Age Concern for assistance.
More support
Elder Financial Abuse
Find out more about elder financial abuse and download a copy of our Elder Financial Abuse Guide.
Money Talks
Money Talks is a free helpline available to provide free budgeting advice to individuals, family and whānau.
Go to Money Talks websiteDementia NZ
Everyone deserves the opportunity to embrace life, celebrate moments and live with dignity and joy.
Dementia New Zealand Regional Affiliates are by the side of individuals, families, networks and communities to ensure anyone affected by dementia has the freedom and confidence to make the most of every day.
Go to Dementia NZ websiteSorted
Sorted is a free service powered by CFFC (Commission for Financial Capability), the government-funded, independent agency dedicated to helping New Zealanders get ahead financially.
You can learn more about what they do and why on the CFFC website, or contact them directly at [email protected].
Go to Sorted websiteAge Concern NZ
Age Concern New Zealand is a charity dedicated to people over 65, their friends and whānau. They promote dignity, wellbeing, equity and respect and provide expert information and support services in response to older people's needs.
Go to Age Concern NZ websiteMinistry of Social Development – Super Seniors
Super Seniors is run by the Office for Seniors, part of the Ministry of Social Development. It is a gateway to information on government services for anyone aged over 65, including finance and planning, health and wellbeing and elder abuse.
Go to Ministry of Social Development – Super Seniors website
Speak to a specialist
If you’d like to find out more about a Heartland Bank Reverse Mortgage, you can call us on
0800 488 740.
Alternatively, enquire with us by clicking the button below and filling out the contact form.
Our hours are Monday to Friday, 8.30am - 5.00pm
Enquire now
How can we help?
New Reverse Mortgage application
If you are new to Heartland and wish to apply for a Reverse Mortgage, please select apply here.
Cash Reserve request
If you already have a Reverse Mortgage and wish to draw funds from an existing account, please apply here.