Dairy Direct
Dairy farm finance made easy
With our online application and competitive rates, the process of buying or refinancing a dairy farm is in your hands – on your time.
Why choose Dairy Direct?
Dairy Direct makes applying for a farm term loan easy. If you know what you're after, you can apply
online and get an initial decision within minutes.
We'll review your loan every two years. Interest only, for 5 years or 25 years P&I
Borrow from $50,000 to $3 million with no set-up fees or hidden costs
Optional revolving credit for seasonal requirements
Refinance, buy new or a combination of both with no need to switch over your everyday banking
Are you eligible?
- You must be 18 or older
- You must be NZ citizen or permanent resident
- You must be a dairy farmer
- You must have more than 55% equity
- The farm must be 50 hectares or larger
- You must provide us first mortgage security
Heartland’s lending criteria, terms, conditions and fees apply.
How to get a Dairy Direct loan
1
Complete the 3-step online application anytime, anywhere and get a decision online.
2
We'll confirm your details and loan structure,
conduct any required checks and request any supporting documents.
3
Upon completion, we'll be in touch within two business hours.
Ready to grow your business?
Want to speak to a Rural specialist in your area? Find an expert near you.
Call us based on your location
Lending criteria, terms, conditions and fees apply.