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                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/interest-rates" data-test-id='link-reverse-mortgage-interest-rates'>Rates &amp; fees</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/existing-customer-information" data-test-id='link-reverse-mortgage-existing-customer-information'>Existing customers</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/advisors" data-test-id='link-reverse-mortgage-advisors'>Advisors</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/news" data-test-id='link-reverse-mortgage-news'>News</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/partners" data-test-id='link-reverse-mortgage-partners'>Partnerships</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/common-questions" data-test-id='link-reverse-mortgage-common-questions'>Common questions</a>
                                        </li>
                            </ul>
                        </li>
                        
                        <li class="nav-item nav-submenu-link">
                            <a href="/car-loans"
                               class="nav-link"
                               data-test-id="products-car-loans">Car Loans</a>
                            <ul class="nav-submenu">
                                            <li class="nav-subitem">
                                                <a class="nav-link" href="/car-loans/faqs" data-test-id='link-car-loans-faqs'>Common questions</a>
                                            </li>
                                            <li class="nav-subitem">
                                                <a class="nav-link" href="/car-loans/insurance" data-test-id='link-car-loans-insurance'>Insurance</a>
                                            </li>
                                            <li class="nav-subitem">
                                                <a class="nav-link" href="/car-loans/rates-fees-terms" data-test-id='link-car-loans-rates-fees-terms'>Rates, fees &amp; terms</a>
                                            </li>
                                            <li class="nav-subitem">
                                                <a class="nav-link" href="/car-loans/insurance/rating-solvency" data-test-id='link-car-loans-insurance-rating-solvency'>Rating &amp; solvency</a>
                                            </li>
                                            <li class="nav-subitem">
                                                <a class="nav-link" href="/car-loans/ev-loans" data-test-id='link-car-loans-ev-loans'>Electric Vehicle Loans</a>
                                            </li>
                                            <li class="nav-subitem">
                                                <a class="nav-link" href="/car-loans/marine-and-leisure-finance" data-test-id='link-car-loans-marine-and-leisure-finance'>Marine and Leisure Finance</a>
                                            </li>
                                            <li class="nav-subitem">
                                                <form action="/Car/Car/Application" method="post">
                                                    <input type="hidden" name="onlineId" />
                                                    <input type="hidden" name="reCaptchaToken" class="reCaptchaToken" />
                                                    <input type="hidden" name="OriginWebPage" value="car-loans (/personal-loans/rates-fees-terms)" />
                                                    <button type="submit" id="tracking__car-loans__header__apply-now" class="c-button c-button--primary-three js-waitforrecaptchatoken" itemprop="url">Apply now</button>
                                                <input type="hidden" name="as_sfid" value="AAAAAAXF2dEPOHZiO_gRkZCIpSmrbXY42V4K6LWjObV6s_a2OYmwB2byytrz85qwsVliLyml5mrZLH-JoPoSlaReOgrBJNQi1XeduM3HyhuGGz2u1cpS-gXMs3WB-9nYDL1kDsmunrPpQ_L_q4JXIVxF3uRQS76HVd1JbKjTigs2cYMGSg==" /><input type="hidden" name="as_fid" value="33206fd947e306f7583c43be5f3677be2f1c0005" /></form>
                                            </li>
                            </ul>
                        </li>
                        
                        <li class="nav-item nav-submenu-link">
                            <a href="/business-loans"
                               class="nav-link" data-test-id="products-business-loans">Business Loans</a>
                            <ul class="nav-submenu">
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/business-loans/asset-finance" data-test-id='link-business-loans-asset-finance'>Asset Finance</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/business-loans/common-questions" data-test-id='link-business-loans-common-questions'>Common questions</a>
                                        </li>
                            </ul>
                        </li>
                        
                        <li class="nav-item nav-submenu-link">
                            <a href="/home-loans"
                               class="nav-link" data-test-id="products-home-loans">Home Loans</a>
                            <ul class="nav-submenu">
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/home-loans/revolving-credit" data-test-id='link-home-loans-revolving-credit'>Revolving credit</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/home-loans/repayments-calculator" data-test-id='link-home-loans-repayments-calculator'>Repayments calculator</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/home-loans/refinance-calculator" data-test-id='link-home-loans-refinance-calculator'>Refix comparison calculator</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/home-loans/refinance-your-mortgage-with-heartland" data-test-id='link-home-loans-refinance-your-mortgage-with-heartland'>Refinance with Heartland</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/home-loans/rates" data-test-id='link-home-loans-rates'>Rates &amp; fees</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/home-loans/faqs" data-test-id='link-home-loans-faqs'>Common questions</a>
                                        </li>
                            </ul>
                        </li>
                        
                        <li class="nav-item nav-submenu-link">
                            <a href="/rural-loans"
                               class="nav-link" data-test-id="products-rural-loans">Rural Loans</a>

                            <ul class="nav-submenu">
                                        <li class="nav-subitem"><a class="nav-link" href="/rural-loans/livestock-finance" data-test-id='link-rural-loans-livestock-finance'>Livestock Finance</a></li>
                                        <li class="nav-subitem"><a class="nav-link" href="/rural-loans/sheep-beef-direct" data-test-id='link-rural-loans-sheep-beef-direct'>Sheep &amp; Beef Direct</a></li>
                                        <li class="nav-subitem"><a class="nav-link" href="/rural-loans/dairy-direct" data-test-id='link-rural-loans-dairy-direct'>Dairy Direct</a></li>
                                        <li class="nav-subitem"><a class="nav-link" href="/rural-loans/term-loans" data-test-id='link-rural-loans-term-loans'>Term Finance</a></li>
                                        <li class="nav-subitem"><a class="nav-link" href="/rural-loans/farm-transition-loan" data-test-id='link-rural-loans-farm-transition-loan'>Farm Transition Loan</a></li>
                            </ul>
                        </li>
                    </ul>
                </li>

                
                <li class="nav-item">
                    <a href="" class="nav-link nav-menu-link" onclick="return false;">About us</a>
                    <ul class="nav-menu">
                            <li class="nav-item nav-nonmenu-link">
                                <a class="nav-link" href="/about-us">About us</a>
                            </li>
                            <li class="nav-item nav-nonmenu-link">
                                <a class="nav-link" href="/about-us/history-of-heartland-bank">Our history</a>
                            </li>
                            <li class="nav-item nav-nonmenu-link">
                                <a class="nav-link" href="/about-us/careers">Careers</a>
                            </li>
                            <li class="nav-item nav-nonmenu-link">
                                <a class="nav-link" href="/about-us/diversity-and-inclusion">Diversity and inclusion</a>
                            </li>
                            <li class="nav-item nav-nonmenu-link">
                                <a class="nav-link" href="/about-us/sponsorship">Sponsorship</a>
                            </li>
                            <li class="nav-item nav-nonmenu-link">
                                <a class="nav-link" href="/about-us/documents-and-forms">Documents &amp; forms</a>
                            </li>
                            <li class="nav-item nav-nonmenu-link">
                                <a class="nav-link" href="/about-us/news">News</a>
                            </li>
                    </ul>
                </li>

                
                <li class="nav-item">
                    <a class="nav-link" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
                </li>

                

                <li class="nav-item">
                    <a href="" class="nav-link nav-menu-link" onclick="return false;">Help</a>
                    <ul class="nav-menu">
                        <li class="nav-item nav-nonmenu-link" data-test-id="desktop-support">
                            <a href="/support" class="nav-link">Support</a>
                        </li>
                        <li class="nav-item nav-nonmenu-link" data-test-id="desktop-contact-us">
                            <a href="/contact-us" class="nav-link">Contact us</a>
                        </li>
                        <li class="nav-item nav-nonmenu-link" data-test-id="desktop-online-security">
                            <a href="/online-security" class="nav-link">Online security</a>
                        </li>
                    </ul>
                </li>



                    <li class="nav-item">
                        <a class="nav-link" href="/mobile-app">Mobile app</a>
                        
                    </li>

                    <li class="nav-item">
                        <a href="https://digital.heartland.co.nz"
                           target="_blank"
                           id="tracking__rates-fees-terms__header__login"
                           class="btn btn-new btn-outline btn-login-apply">Log in</a>
                    </li>

            </ul>



            

                <a href="" id="" class="c-button c-button--primary-three c-button--direct-apply js-direct-apply-btn">Apply</a>

            
            <button id="mobile-hamburger"
                    data-test-id="mobile-header-menu-open"
                    class="
                    hamburger-menu
                    hamburger
                    hamburger--squeeze
                    hamburger-container"
                    onclick="openCloseMenuSlider(event);">
                <span class="hamburger-box">
                    <span class="hamburger-inner"></span>
                </span>
            </button>

        </div>
    </nav>

    
</div>


<nav class=" mobile-nav" aria-label="Mobile navigation" data-test-id="mobile-nav">
    
    <div class="slider-menu js-slider-menu" data-test-id="mobile-header-menu">
        <button id="mobile-hamburger"
                data-test-id="mobile-header-menu-close"
                class="
                    hamburger-menu
                    hamburger
                    hamburger--squeeze
                    hamburger-container
                    hamburger--close
                    is-active"
                onclick="openCloseMenuSlider(event);">
            <span class="hamburger-box">
                <span class="hamburger-inner"></span>
            </span>
        </button>

        <ul>
            <li class="close-menu d-flex slider-menu__action-title">
                <a class="page-header__logo-container" href="/">
                    <img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
                </a>
            </li>
            <li class="slider-menu__section-title">
                <a class="slider-menu__section-title-text">Products</a>
            </li>
            <li class="slider-menu__section-item section-item--savings">
                <a class=" js-open-menu-deposits" data-test-id='products-saving-and-deposits'>
                    <div class="row">
                        <div class="col-10"><p class="slider-menu__section-item-text my-auto">Savings &amp; Deposits</p></div>
                        <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
                    </div>
                </a>
            </li>
            <li class="slider-menu__section-item section-item--reverse-mortgage">
                <a class=" js-open-menu-seniors" data-test-id='products-reverse-mortgages'>
                    <div class="row">
                        <div class="col-10"><p class="slider-menu__section-item-text my-auto">Reverse Mortgages</p></div>
                        <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
                    </div>
                </a>
            </li>
            <li class="slider-menu__section-item section-item--car-loans">
                <a class=" js-open-menu-cars" data-test-id='products-car-loans'>
                    <div class="row">
                        <div class="col-10"><p class="slider-menu__section-item-text my-auto">Car Loans</p></div>
                        <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
                    </div>
                </a>
            </li>
            <li class="slider-menu__section-item section-item--business-loans">
                <a class=" js-open-menu-business" data-test-id='products-business-loans'>
                    <div class="row">
                        <div class="col-10"><p class="slider-menu__section-item-text my-auto">Business Loans</p></div>
                        <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
                    </div>
                </a>
            </li>
            <li class="slider-menu__section-item section-item--home-loans">
                <a class=" js-open-menu-homeloans" data-test-id='products-home-loans'>
                    <div class="row">
                        <div class="col-10"><p class="slider-menu__section-item-text my-auto">Home Loans</p></div>
                        <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
                    </div>
                </a>
            </li>
            <li class="slider-menu__section-item section-item--rural-loans">
                <a class=" js-open-menu-livestock" data-test-id='products-rural-loans'>
                    <div class="row">
                        <div class="col-10"><p class="slider-menu__section-item-text my-auto">Rural Loans</p></div>
                        <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
                    </div>
                </a>
            </li>
            

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-company-info">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-help">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>


    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-mobile-app" data-test-id='products-mobile-app'>
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">Mobile app</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>

<li class="slider-menu__section-title">
    <a tabindex="" href="https://digital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
</li>
<li class="slider-menu__section-title">
    <div class="slider-menu__section-title--download">
        <a class="c-app-link__item" href="https://apps.apple.com/nz/app/heartland-mobile-app-nz/id1401756383" target="_blank" rel="noopener noreferrer">
            <div class="c-app-link__item-inner">
                <img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
                <p class="c-app-link__copy">
                    <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                    <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
                </p>
            </div>
        </a>
        <a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
            <div class="c-app-link__item-inner">
                <img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
                <p class="c-app-link__copy">
                    <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                    <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
                </p>
            </div>
        </a>
    </div>
</li>

        </ul>
    </div>

    
    <div class="slider-menu slider-menu--deposits js-slider-menu-deposits">
        <button id="mobile-hamburger"
                class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active"
                onclick="openCloseMenuSlider(event);">
            <span class="hamburger-box">
                <span class="hamburger-inner"></span>
            </span>
        </button>

        <ul>
            <li class="close-menu d-flex slider-menu__action-title">
                <a class="page-header__logo-container" href="/">
                    <img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
                </a>
            </li>
            <li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
                <span class="slider-menu__action-icon"><i class="fa fa-chevron-left" aria-hidden="true"></i></span> Back
            </li>

                <li class="slider-menu__section-item-heading
                        ">
                    <a href="/savings-and-deposits" data-test-id='link-savings-and-deposits'>Savings &amp; Deposits</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/savings-and-deposits/interest-rates" data-test-id='link-savings-and-deposits-interest-rates'>Interest rates</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/savings-and-deposits/digital-saver" data-test-id='link-savings-and-deposits-digital-saver'>Digital Saver</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/savings-and-deposits/term-deposits" data-test-id='link-savings-and-deposits-term-deposits'>Term Deposits</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/savings-and-deposits/direct-call-account" data-test-id='link-savings-and-deposits-direct-call-account'>Direct Call Account</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/savings-and-deposits/notice-saver" data-test-id='link-savings-and-deposits-notice-saver'>Notice Saver</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/youchoose" data-test-id='link-youchoose'>YouChoose</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/savings-and-deposits/business-call-account" data-test-id='link-savings-and-deposits-business-call-account'>Business Call Account</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/savings-and-deposits/pie-fund" data-test-id='link-savings-and-deposits-pie-fund'>Cash and PIE funds</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/savings-and-deposits/#ofdquestions" data-test-id='link-savings-and-deposits-#ofdquestions'>Common questions</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/about-us/documents-and-forms" data-test-id='link-about-us-documents-and-forms'>Documents and forms</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/savings-and-deposits/credit-rating" data-test-id='link-savings-and-deposits-credit-rating'>Credit rating</a>
                </li>

            

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-company-info">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-help">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>



<li class="slider-menu__section-title">
    <a tabindex="" href="https://digital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
</li>
<li class="slider-menu__section-title">
    <div class="slider-menu__section-title--download">
        <a class="c-app-link__item" href="https://apps.apple.com/nz/app/heartland-mobile-app-nz/id1401756383" target="_blank" rel="noopener noreferrer">
            <div class="c-app-link__item-inner">
                <img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
                <p class="c-app-link__copy">
                    <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                    <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
                </p>
            </div>
        </a>
        <a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
            <div class="c-app-link__item-inner">
                <img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
                <p class="c-app-link__copy">
                    <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                    <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
                </p>
            </div>
        </a>
    </div>
</li>

        </ul>
    </div>

    
    <div class="slider-menu slider-menu--business js-slider-menu-business">
        <button id="mobile-hamburger"
                class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active"
                onclick="openCloseMenuSlider(event);">
            <span class="hamburger-box">
                <span class="hamburger-inner"></span>
            </span>
        </button>

        <ul>
            <li class="close-menu d-flex slider-menu__action-title">
                <a class="page-header__logo-container" href="/">
                    <img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
                </a>
            </li>
            <li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
                <span class="slider-menu__action-icon"><i class="fa fa-chevron-left" aria-hidden="true"></i></span> Back
            </li>

                <li class="slider-menu__section-item-heading
                        ">
                    <a href="/business-loans" data-test-id='link-business-loans'>Business Loan</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/business-loans/asset-finance" data-test-id='link-business-loans-asset-finance'>Asset Finance</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/business-loans/common-questions" data-test-id='link-business-loans-common-questions'>Common questions</a>
                </li>

            

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-company-info">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-help">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>



<li class="slider-menu__section-title">
    <a tabindex="" href="https://digital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
</li>
<li class="slider-menu__section-title">
    <div class="slider-menu__section-title--download">
        <a class="c-app-link__item" href="https://apps.apple.com/nz/app/heartland-mobile-app-nz/id1401756383" target="_blank" rel="noopener noreferrer">
            <div class="c-app-link__item-inner">
                <img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
                <p class="c-app-link__copy">
                    <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                    <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
                </p>
            </div>
        </a>
        <a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
            <div class="c-app-link__item-inner">
                <img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
                <p class="c-app-link__copy">
                    <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                    <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
                </p>
            </div>
        </a>
    </div>
</li>

        </ul>
    </div>

    
    <div class="slider-menu slider-menu--livestock js-slider-menu-rural">
        <button id="mobile-hamburger"
                class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active"
                onclick="openCloseMenuSlider(event);">
            <span class="hamburger-box">
                <span class="hamburger-inner"></span>
            </span>
        </button>

        <ul>
            <li class="close-menu d-flex slider-menu__action-title">
                <a class="page-header__logo-container" href="/">
                    <img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
                </a>
            </li>
            <li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
                <span class="slider-menu__action-icon">
                    <i class="fa fa-chevron-left" aria-hidden="true"></i>
                </span> Back
            </li>

                <li class="slider-menu__section-item-heading
                        ">
                    <a href="/rural-loans" data-test-id='link-rural-loans'>Rural Loans</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/rural-loans/livestock-finance" data-test-id='link-rural-loans-livestock-finance'>Livestock Finance</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/rural-loans/sheep-beef-direct" data-test-id='link-rural-loans-sheep-beef-direct'>Sheep &amp; Beef Direct</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/rural-loans/dairy-direct" data-test-id='link-rural-loans-dairy-direct'>Dairy Direct</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/rural-loans/term-loans" data-test-id='link-rural-loans-term-loans'>Term Finance</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/rural-loans/farm-transition-loan" data-test-id='link-rural-loans-farm-transition-loan'>Farm Transition Loan</a>
                </li>

            

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-company-info">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-help">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>



<li class="slider-menu__section-title">
    <a tabindex="" href="https://digital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
</li>
<li class="slider-menu__section-title">
    <div class="slider-menu__section-title--download">
        <a class="c-app-link__item" href="https://apps.apple.com/nz/app/heartland-mobile-app-nz/id1401756383" target="_blank" rel="noopener noreferrer">
            <div class="c-app-link__item-inner">
                <img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
                <p class="c-app-link__copy">
                    <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                    <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
                </p>
            </div>
        </a>
        <a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
            <div class="c-app-link__item-inner">
                <img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
                <p class="c-app-link__copy">
                    <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                    <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
                </p>
            </div>
        </a>
    </div>
</li>

        </ul>
    </div>

    
    <div class="slider-menu slider-menu--cars js-slider-menu-cars">
        <button id="mobile-hamburger"
                class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active"
                onclick="openCloseMenuSlider(event);">
            <span class="hamburger-box">
                <span class="hamburger-inner"></span>
            </span>
        </button>

        <ul>
            <li class="close-menu d-flex slider-menu__action-title">
                <a class="page-header__logo-container" href="/">
                    <img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
                </a>
            </li>
            <li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
                <span class="slider-menu__action-icon"><i class="fa fa-chevron-left" aria-hidden="true"></i></span> Back
            </li>

                    <li class="slider-menu__section-item-heading
                        ">
                        <a href="/car-loans" data-test-id='link-car-loans'>Car Loans</a>
                    </li>
                    <li class="slider-menu__section-item
                        ">
                        <a href="/car-loans/faqs" data-test-id='link-car-loans-faqs'>Common questions</a>
                    </li>
                    <li class="slider-menu__section-item
                        ">
                        <a href="/car-loans/insurance" data-test-id='link-car-loans-insurance'>Insurance</a>
                    </li>
                    <li class="slider-menu__section-item
                        ">
                        <a href="/car-loans/rates-fees-terms" data-test-id='link-car-loans-rates-fees-terms'>Rates, fees &amp; terms</a>
                    </li>
                    <li class="slider-menu__section-item
                        ">
                        <a href="/car-loans/insurance/rating-solvency" data-test-id='link-car-loans-insurance-rating-solvency'>Rating &amp; solvency</a>
                    </li>
                    <li class="slider-menu__section-item
                        ">
                        <a href="/car-loans/ev-loans" data-test-id='link-car-loans-ev-loans'>Electric Vehicle Loans</a>
                    </li>
                    <li class="slider-menu__section-item
                        ">
                        <a href="/car-loans/marine-and-leisure-finance" data-test-id='link-car-loans-marine-and-leisure-finance'>Marine and Leisure Finance</a>
                    </li>
                    <li class="slider-menu__section-item">
                        <form action="/Car/Car/Application" method="post" style="padding: 1rem 2rem;">
                            <input type="hidden" name="onlineId" />
                            <input type="hidden" name="reCaptchaToken" class="reCaptchaToken" />
                            <input type="hidden" name="OriginWebPage" value="car-loans (/personal-loans/rates-fees-terms)" />
                            <button type="submit" id="tracking__car-loans__header__apply-now" class="c-button c-button--primary-three js-waitforrecaptchatoken" itemprop="url">Apply now</button>
                        <input type="hidden" name="as_sfid" value="AAAAAAU5kQKUkiMCp6gtWmNnEM7JCn_2trvgrX6tHznV8VxhDn5MfchDbaQZthtXbo4PkyWVoHxJscDGf8s4fVM-cHJrEv3IEq_DMBkQffrhbfMc_d5L32mtDHSHhjHDfHaKUXD00woGuLIKqzn-62IaZZqTUrysjH6lxF0afDZL_K9Y_g==" /><input type="hidden" name="as_fid" value="33206fd947e306f7583c43be5f3677be2f1c0005" /></form>
                    </li>

            

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-company-info">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-help">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>



<li class="slider-menu__section-title">
    <a tabindex="" href="https://digital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
</li>
<li class="slider-menu__section-title">
    <div class="slider-menu__section-title--download">
        <a class="c-app-link__item" href="https://apps.apple.com/nz/app/heartland-mobile-app-nz/id1401756383" target="_blank" rel="noopener noreferrer">
            <div class="c-app-link__item-inner">
                <img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
                <p class="c-app-link__copy">
                    <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                    <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
                </p>
            </div>
        </a>
        <a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
            <div class="c-app-link__item-inner">
                <img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
                <p class="c-app-link__copy">
                    <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                    <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
                </p>
            </div>
        </a>
    </div>
</li>

        </ul>
    </div>

    
    <div class="slider-menu slider-menu--seniors js-slider-menu-seniors">
        <button id="mobile-hamburger"
                class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active"
                onclick="openCloseMenuSlider(event);">
            <span class="hamburger-box">
                <span class="hamburger-inner"></span>
            </span>
        </button>

        <ul>
            <li class="close-menu d-flex slider-menu__action-title">
                <a class="page-header__logo-container" href="/">
                    <img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
                </a>
            </li>
            <li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
                <span class="slider-menu__action-icon"><i class="fa fa-chevron-left" aria-hidden="true"></i></span> Back
            </li>

                <li class="slider-menu__section-item-heading
                        ">
                    <a href="/reverse-mortgage" data-test-id='link-reverse-mortgage'>Reverse Mortgages</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/what-is-a-reverse-mortgage" data-test-id='link-reverse-mortgage-what-is-a-reverse-mortgage'>What is a reverse mortgage?</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/what-can-i-do-with-my-reverse-mortgage" data-test-id='link-reverse-mortgage-what-can-i-do-with-my-reverse-mortgage'>What can I do with my loan?</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/streamline" data-test-id='link-reverse-mortgage-streamline'>Streamline Reverse Mortgage</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/cash-reserve-request" data-test-id='link-reverse-mortgage-cash-reserve-request'>Cash Reserve request</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/customer-stories" data-test-id='link-reverse-mortgage-customer-stories'>Our customer stories</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/reverse-mortgage-calculator" data-test-id='link-reverse-mortgage-reverse-mortgage-calculator'>Calculate my loan</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/useful-resources" data-test-id='link-reverse-mortgage-useful-resources'>Useful resources</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/interest-rates" data-test-id='link-reverse-mortgage-interest-rates'>Rates &amp; fees</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/existing-customer-information" data-test-id='link-reverse-mortgage-existing-customer-information'>Existing customers</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/advisors" data-test-id='link-reverse-mortgage-advisors'>Advisors</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/news" data-test-id='link-reverse-mortgage-news'>News</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/partners" data-test-id='link-reverse-mortgage-partners'>Partnerships</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/common-questions" data-test-id='link-reverse-mortgage-common-questions'>Common questions</a>
                </li>

            

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-company-info">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-help">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>



<li class="slider-menu__section-title">
    <a tabindex="" href="https://digital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
</li>
<li class="slider-menu__section-title">
    <div class="slider-menu__section-title--download">
        <a class="c-app-link__item" href="https://apps.apple.com/nz/app/heartland-mobile-app-nz/id1401756383" target="_blank" rel="noopener noreferrer">
            <div class="c-app-link__item-inner">
                <img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
                <p class="c-app-link__copy">
                    <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                    <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
                </p>
            </div>
        </a>
        <a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
            <div class="c-app-link__item-inner">
                <img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
                <p class="c-app-link__copy">
                    <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                    <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
                </p>
            </div>
        </a>
    </div>
</li>

        </ul>
    </div>

    
    <div class="slider-menu slider-menu--homeloans js-slider-menu-homeloans">
        <button id="mobile-hamburger"
                class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active"
                onclick="openCloseMenuSlider(event);">
            <span class="hamburger-box">
                <span class="hamburger-inner"></span>
            </span>
        </button>

        <ul>
            <li class="close-menu d-flex slider-menu__action-title">
                <a class="page-header__logo-container" href="/">
                    <img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
                </a>
            </li>
            <li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
                <span class="slider-menu__action-icon"><i class="fa fa-chevron-left" aria-hidden="true"></i></span> Back
            </li>

                <li class="slider-menu__section-item-heading
                        ">
                    <a href="/home-loans" data-test-id='link-home-loans'>Home Loans</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/home-loans/revolving-credit" data-test-id='link-home-loans-revolving-credit'>Revolving credit</a>
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                <img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
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                    <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
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                is-active"
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                <img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
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                    <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
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                <img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
                <p class="c-app-link__copy">
                    <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                    <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
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                <p class="c-app-link__copy">
                    <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
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        <h1>Personal Loan Rates, Fees and Terms</h1>
        <p>To view our rates, fees and terms for our secured and unsecured personal loans please select from the below:</p>
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