Rural Loans
Finance that’s farm fit
We know finance and we know farmers. Our team is made up of like-minded people who have a real interest in the land and farming community, so we’re perfectly placed to help your business grow.
Which is the right option for you?
Livestock Finance
Up to 100% finance for stock purchases, and security taken only on that stock.
Find out more
Sheep & Beef Direct
Refinance or buy a sheep or beef farm with Heartland's fuss-free finance.
Find out more
Farm Transition Loan
Borrow against your farm equity to maximise value before moving on.
Find out more
Heartland’s lending criteria, terms, conditions and fees apply.
Why borrow with Heartland?
We understand the unique challenges that come with rural life. By choosing us, you’ll benefit from our deep knowledge of the local agricultural landscape, allowing us to tailor financial solutions specifically to your needs.
- Backed by 150 years of banking and finance expertise in New Zealand
- 2,500+ farmers we’re currently financing
- New Zealand owned rural lending specialist
General information
Take control of your loan online
What our customers are saying
Martin Skurr
South Canterbury
"I wasn't really planning on getting finance, but everything just seemed to fall into place this
year.
I started exploring different options, and Heartland's Open for Livestock product seemed to be
the ideal solution."
Peter Mehrtens
Auckland
"My brother Donald and I have been in a dairy grazing partnership for close to 20 years.
This year, we also decided to take on 350 yearling bulls to increase farm cashflow, and we were
recommended Heartland Bank."
Leen Dekker
Canterbury
"My wife and I enjoy finishing lambs as a side business, and one year we decided to buy more
lambs than usual.
When we saw the ad for Heartland's Open for Livestock loan, we decided to go for it."