Rates, fees & terms

Fees do apply to your Heartland Village Access Loan however, in most cases these fees can be added to your loan amount. For full information about our fees and when they are charged, see our fee schedule.

To protect your own interests, you will be required to seek advice from your own legal advisor, who will provide you with the necessary independent legal advice you need before making any decisions. They will advise you about their fees, and you will be responsible for any costs that arise through your engagement with them in regards to your Village Access Loan application.

In order for us to keep our promises to you, you also have a number of legal obligations to us. This includes continuing to look after your home, making necessary repairs, and adequately protecting it from damage. You also must continue to pay your rates, and insure your property. To help you monitor your loan, we will send you a statement every six months, with details of your loan over the previous period, including interest.

The Code of Banking Practice sets out standards for good banking practice. We adhere to the Code (as a member of the New Zealand Bankers' Association) and see it as a minimum standard to maintain good relationships and communications with our customers.