



               <!--.              ,--,                                    ____                          ___
              /. ./|            ,--.'|                                  ,'  , `.                      ,--.'|_
          .--'.  ' ;            |  | :                  ,---.        ,-+-,.' _ |                      |  | :,'     ,---.
         /__./ \ : |            :  : '                 '   ,'\    ,-+-. ;   , ||                      :  : ' :    '   ,'\
     .--'.  '   \' .    ,---.   |  ' |       ,---.    /   /   |  ,--.'|'   |  ||    ,---.           .;__,'  /    /   /   |
    /___/ \ |    ' '   /     \  '  | |      /     \  .   ; ,. : |   |  ,', |  |,   /     \          |  |   |    .   ; ,. :
    ;   \  \;      :  /    /  | |  | :     /    / '  '   | |: : |   | /  | |--'   /    /  |         :__,'| :    '   | |: :
     \   ;  `      | .    ' / | '  : |__  .    ' /   '   | .; : |   : |  | ,     .    ' / |           '  : |__  '   | .; :
      .   \    .\  ; '   ;   /| |  | '.'| '   ; :__  |   :    | |   : |  |/      '   ;   /|           |  | '.'| |   :    |
       \   \   ' \ | '   |  / | ;  :    ; '   | '.'|  \   \  /  |   | |`-'       '   |  / |           ;  :    ;  \   \  /
        :   '  |--"  |   :    | |  ,   /  |   :    :   `----'   |   ;/           |   :    |           |  ,   /    `----'
         \   \ ;      \   \  /   ---`-'    \   \  /             '---'             \   \  /             ---`-'
          '---"        `----'               `----'                                 `----'



                                                                          ___       ,---,
          ,---,              ,--,                                       ,--.'|_   ,--.' |       ,--,
        ,---.'|    ,---.   ,--.'|          ,---,                        |  | :,'  |  |  :     ,--.'|          ,---,
        |   | :   '   ,'\  |  |,       ,-+-. /  |   ,----._,.           :  : ' :  :  :  :     |  |,       ,-+-. /  |   ,----._,.   .--.--.
        |   | |  /   /   | `--'_      ,--.'|'   |  /   /  ' /         .;__,'  /   :  |  |,--. `--'_      ,--.'|'   |  /   /  ' /  /  /    '
      ,--.__| | .   ; ,. : ,' ,'|    |   |  ,"' | |   :     |         |  |   |    |  :  '   | ,' ,'|    |   |  ,"' | |   :     | |  :  /`./
     /   ,'   | '   | |: : '  | |    |   | /  | | |   | .\  .         :__,'| :    |  |   /' : '  | |    |   | /  | | |   | .\  . |  :  ;_
    .   '  /  | '   | .; : |  | :    |   | |  | | .   ; ';  |           '  : |__  '  :  | | | |  | :    |   | |  | | .   ; ';  |  \  \    `.
    '   ; |:  | |   :    | '  : |__  |   | |  |/  '   .   . |           |  | '.'| |  |  ' | : '  : |__  |   | |  |/  '   .   . |   `----.   \
    |   | '/  '  \   \  /  |  | '.'| |   | |--'    `---`-'| |           ;  :    ; |  :  :_:,' |  | '.'| |   | |--'    `---`-'| |  /  /`--'  /
    |   :    :|   `----'   ;  :    ; |   |/        .'__/\_: |           |  ,   /  |  | ,'     ;  :    ; |   |/        .'__/\_: | '--'.     /
     \   \  /              |  ,   /  '---'         |   :    :            ---`-'   `--''       |  ,   /  '---'         |   :    :   `--'---'
      `----'                ---`-'                  \   \  /                                   ---`-'                  \   \  /
                                                     `--`-'                                                             `--`-'


                                                                                             ___       ,--,
          ,---,   ,--,      .--.,    .--.,                                                 ,--.'|_   ,--.'|
        ,---.'| ,--.'|    ,--.'  \ ,--.'  \              __  ,-.                  ,---,    |  | :,'  |  | :
        |   | : |  |,     |  | /\/ |  | /\/            ,' ,'/ /|              ,-+-. /  |   :  : ' :  :  : '
        |   | | `--'_     :  : :   :  : :      ,---.   '  | |' |    ,---.    ,--.'|'   | .;__,'  /   |  ' |          .--,
      ,--.__| | ,' ,'|    :  | |-, :  | |-,   /     \  |  |   ,'   /     \  |   |  ,"' | |  |   |    '  | |        /_ ./|
     /   ,'   | '  | |    |  : :/| |  : :/|  /    /  | '  :  /    /    /  | |   | /  | | :__,'| :    |  | :     , ' , ' :
    .   '  /  | |  | :    |  |  .' |  |  .' .    ' / | |  | '    .    ' / | |   | |  | |   '  : |__  '  : |__  /___/ \: |
    '   ; |:  | '  : |__  '  : '   '  : '   '   ;   /| ;  : |    '   ;   /| |   | |  |/    |  | '.'| |  | '.'|  .  \  ' |
    |   | '/  ' |  | '.'| |  | |   |  | |   '   |  / | |  , ;    '   |  / | |   | |--'     ;  :    ; ;  :    ;   \  ;   :   ___
    |   :    :| ;  :    ; |  : \   |  : \   |   :    |  ---'     |   :    | |   |/         |  ,   /  |  ,   /     \  \  ;  /  .\
     \   \  /   |  ,   /  |  |,'   |  |,'    \   \  /             \   \  /  '---'           ---`-'    ---`-'       :  \  \ \  ; |
      `----'     ---`-'   `--'     `--'       `----'               `----'                                           \  ' ;  `--"
                                                                                                                     `--`











-->

<!DOCTYPE html>
<html lang="en">
<head>
    
    <meta charset="utf-8">

<!-- Google Tag Manager -->
<script>
    (function (w, d, s, l, i) {
        w[l] = w[l] || [];
        w[l].push({
            'gtm.start': new Date().getTime(),
            event: 'gtm.js',
        });
        var f = d.getElementsByTagName(s)[0],
            j = d.createElement(s),
            dl = l != 'dataLayer' ? '&l=' + l : '';
        j.async = true;
        j.src = 'https://www.googletagmanager.com/gtm.js?id=' + i + dl;
        f.parentNode.insertBefore(j, f);
    })(window, document, 'script', 'dataLayer', 'GTM-WDXSWKF');
</script>
<script>
    //IE11 CSS vars polyfill
    window.MSInputMethodContext && document.documentMode &&
        document.write('<script src="https://cdn.jsdelivr.net/gh/nuxodin/ie11CustomProperties@4.0.1/ie11CustomProperties.min.js"><\x2fscript>');
</script>
<!-- End Google Tag Manager -->

<!-- Google Optimize -->
<script src="https://www.googleoptimize.com/optimize.js?id=OPT-TRBVGTB"></script>
<!-- End Google Optimize -->

<meta name="viewport" content="width=device-width, initial-scale=1">
<title>Rural Loans NZ - Farm Loans NZ | Heartland Bank</title>

<meta name="apple-mobile-web-app-title" content="Heartland Bank Website">
<meta name="description" content="Heartland&#39;s rural loans team is perfectly placed to find the right rural finance for you. We know finance and we understand farmers.">
<meta name="google-site-verification" content="Tn_ehC37GwmZ_A7W4broO-Diw7es-8QKMMdwddQ2GLM">
<meta name="keywords" content="">
<link rel="canonical" href="https://www.heartland.co.nz/rural-loans">

<!-- FAVICONS -->
<link rel="apple-touch-icon-precomposed" href="/Images/favicons/corp/apple-icon-precomposed.png?v=NmblRYe6AE">
<link rel="apple-touch-icon" sizes="57x57" href="/Images/favicons/corp/apple-icon-57x57.png?v=NmblRYe6AE">
<link rel="apple-touch-icon" sizes="60x60" href="/Images/favicons/corp/apple-icon-60x60.png?v=NmblRYe6AE">
<link rel="apple-touch-icon" sizes="72x72" href="/Images/favicons/corp/apple-icon-72x72.png?v=NmblRYe6AE">
<link rel="apple-touch-icon" sizes="76x76" href="/Images/favicons/corp/apple-icon-76x76.png?v=NmblRYe6AE">
<link rel="apple-touch-icon" sizes="114x114" href="/Images/favicons/corp/apple-icon-114x114.png?v=NmblRYe6AE">
<link rel="apple-touch-icon" sizes="120x120" href="/Images/favicons/corp/apple-icon-120x120.png?v=NmblRYe6AE">
<link rel="apple-touch-icon" sizes="144x144" href="/Images/favicons/corp/apple-icon-144x144.png?v=NmblRYe6AE">
<link rel="apple-touch-icon" sizes="152x152" href="/Images/favicons/corp/apple-icon-152x152.png?v=NmblRYe6AE">
<link rel="apple-touch-icon" sizes="180x180" href="/Images/favicons/corp/apple-icon-180x180.png?v=NmblRYe6AE">
<link rel="icon" type="image/png" sizes="192x192" href="/Images/favicons/corp/android-icon-192x192.png?v=NmblRYe6AE">
<link rel="icon" type="image/png" sizes="96x96" href="/Images/favicons/corp/favicon-96x96.png?v=NmblRYe6AE">
<link rel="icon" type="image/png" sizes="32x32" href="/Images/favicons/corp/favicon-32x32.png?v=NmblRYe6AE">
<link rel="icon" type="image/png" sizes="16x16" href="/Images/favicons/corp/favicon-16x16.png?v=NmblRYe6AE">
<link rel="manifest" href="/Images/favicons/corp/site.webmanifest?v=NmblRYe6AE">
<link rel="mask-icon" href="/Images/favicons/corp/safari-pinned-tab.svg?v=NmblRYe6AE" color="#5bbad5">
<link rel="shortcut icon" href="/Images/favicons/corp/favicon.ico?v=NmblRYe6AE">
<meta name="msapplication-TileColor" content="#da532c">
<meta name="msapplication-TileImage" content="/Images/favicons/corp/ms-icon-144x144.png?v=NmblRYe6AE">
<meta name="msapplication-config" content="/Images/favicons/corp/browserconfig.xml?v=NmblRYe6AE">
<meta name="theme-color" content="#ffffff">
<!-- FONT PRELOAD -->


<link rel="preload" href="/fonts/fontawesome-webfont.woff?v=4.7.0" as="font" type="font/woff" crossorigin="anonymous">

<link rel="preload" href="/fonts/Muli-Regular.woff2" as="font" type="font/woff2" crossorigin="anonymous">
<link rel="preload" href="/fonts/Muli-Medium.woff2" as="font" type="font/woff2" crossorigin="anonymous">
<link rel="preload" href="/fonts/Muli-SemiBold.woff2" as="font" type="font/woff2" crossorigin="anonymous">
<link rel="preload" href="/fonts/Muli-Bold.woff2" as="font" type="font/woff2" crossorigin="anonymous">
<link rel="preload" href="/fonts/Muli-ExtraBold.woff2" as="font" type="font/woff2" crossorigin="anonymous">

<link rel="preload" href="/fonts/Lora-Regular.woff2" as="font" type="font/woff2" crossorigin="anonymous">
<link rel="preload" href="/fonts/Lora-Medium.woff2" as="font" type="font/woff2" crossorigin="anonymous">
<link rel="preload" href="/fonts/Lora-SemiBold.woff2" as="font" type="font/woff2" crossorigin="anonymous">
<link rel="preload" href="/fonts/Lora-Bold.woff2" as="font" type="font/woff2" crossorigin="anonymous">


<script>
	window.siteKey = '6Lde03cUAAAAAJEXvVXMsWJUt0KMW4d5REttVac3';

    var restrictedWords = 'select,insert,delete,update,drop,create,alter,grant,revoke,commit,rollback,shutdown,union,intersect,minus,case,decode,where,group,begin,join,exists,distinct,add,modify,constraint,null,like,exec,execute,char,or,and,sp_sdidebug,xp_availablemedia,xp_cmdshell,xp_deletemail,xp_dirtree,xp_dropwebtask,xp_dsninfo,xp_enumdsn,xp_enumerrorlogs,xp_enumgroups,xp_enumqueuedtasks,xp_eventlog,xp_findnextmsg,xp_fixeddrives,xp_getfiledetails,xp_getnetname,xp_grantlogin,xp_logevent,xp_loginconfig,xp_logininfo,xp_makewebtask,xp_msver,xp_regread,xp_perfend,xp_perfmonitor,xp_perfsample,xp_perfstart,xp_readerrorlog,xp_readmail,xp_revokelogin,xp_runwebtask,xp_schedulersignal,xp_sendmail,xp_servicecontrol,xp_snmp_getstate,xp_snmp_raisetrap,xp_sprintf,xp_sqlinventory,xp_sqlregister,xp_sqltrace,xp_sscanf,xp_startmail,xp_stopmail,xp_subdirs,xp_unc_to_drive,sysobjects,syscolumns,MSysACEs,MSysObjects,MSysQueries,MSysRelationships,SYS.USER_OBJECTS,SYS.TAB,SYS.USER_TABLES,SYS.USER_VIEWS,SYS.ALL_TABLES,SYS.USER_TAB_COLUMNS,SYS.USER_CONSTRAINTS,SYS.USER_TRIGGERS,SYS.USER_CATALOG,SYS.ALL_CATALOG,SYS.ALL_CONSTRAINTS,SYS.ALL_OBJECTS,SYS.ALL_TAB_COLUMNS ,SYS.ALL_TAB_PRIVS ,SYS.ALL_TRIGGERS ,SYS.ALL_USERS ,SYS.ALL_VIEWS ,SYS.USER_ROLE_PRIVS,SYS.USER_SYS_PRIVS,SYS.USER_TAB_PRIVS,xp_sqlmaint,kill,bulk,external,public,raiserror,reconfigure,freetext,freetexttable,authorization,replication,backup,restore,restrict,goto,revert,holdlock,identity_insert,collate,system_user,merge,nocheck,truncate,updatetext,waitfor,print,writetext,exit,order by,benchmark';
    if (restrictedWords.length > -1) {
	    window.restrictedWords = restrictedWords.split(',');
    }
</script>

<!-- FB VERIFICATION -->
<meta name="facebook-domain-verification" content="mkca9pgwm9jw01xyjvjcvf1bgerojg">

    <!-- STRUCTURED DATA -->
    
    
    <script type="application/ld+json">
        [
            {
                "@context": "http://schema.org",
                "@type": "LocalBusiness",
                "@name": "Heartland Rural Loans",
                "url": "https://www.heartland.co.nz/rural-loans",
                "priceRange": "$10,000 to $5,000,000 loans",
                "image": "https://www.heartland.co.nz/Images/heartland-bank-logo-black.svg",
                "address": {
                    "@type": "PostalAddress",
                    "addressCountry": "New Zealand",
                    "addressLocality": "Newmarket, Auckland",
                    "postalCode": "1023",
                    "streetAddress": "Level 3, 277 Broadway"
                },
                "description": "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 the farming community, so we’re perfectly placed to help your business grow."
            },
            {
                "@context": "https://schema.org/",
                "@type": "BreadcrumbList",
                "itemListElement": [
                    {
                        "@type": "ListItem",
                        "position": 1,
                        "name": "Livestock Finance",
                        "item": "https://www.heartland.co.nz/rural-loans/livestock-finance"
                    },
                    {
                        "@type": "ListItem",
                        "position": 2,
                        "name": "Sheep and Beef Direct",
                        "item": "https://www.heartland.co.nz/rural-loans/sheep-beef-direct"
                    },
                    {
                        "@type": "ListItem",
                        "position": 3,
                        "name": "Dairy Direct",
                        "item": "https://www.heartland.co.nz/rural-loans/dairy-direct"
                    },
                    {
                        "@type": "ListItem",
                        "position": 4,
                        "name": "Term Finance",
                        "item": "https://www.heartland.co.nz/rural-loans/term-loans"
                    },
                    {
                        "@type": "ListItem",
                        "position": 5,
                        "name": "Farm Transition Loan",
                        "item": "https://www.heartland.co.nz/rural-loans/farm-transition-loan"
                    }
                ]
            }
        ]
    </script>





    
    <link href="/css/global?v=jT3KK0xwvZqU5xN0MtQEimTWfHVTui_vX-UYvnlJsDI1" rel="stylesheet"/>

    
<link href="/css/rural?v=BdONl4Scut-k3QZohaAo_NYCHsU3oz76nj06sbEZn6o1" rel="stylesheet"/>


    
    
    <style>
        .section-block--rl .c-picture {
            overflow: hidden;
        }

        @media(max-width: 1023px) {
            .section-block--rl .c-section-block__header {
                font-size: 45px;
                line-height: 50px;
            }

            .section-block--rl .c-picture__img-item {
                max-width: 40vw;
            }
        }

        @media(max-width: 767px) {
            .section-block--rl .c-picture {
                display: none;
            }
        }
    </style>


    <style>

/*------------------------------------*\
  Browser compatibility fixes
\*------------------------------------*/

/*IE 8-11*/
.select__element::-ms-expand {
    display: none; /* remove default arrow in IE 10 and 11 */
}

.box-textInput {
    padding-bottom: 10px\0;
}

.business-loan-hero-application__container .box-textInput,
.livestock-finance-hero-application__container car-loans-hero-application__container .box-textInput {
    padding-bottom: 0px\0;
}

*::-ms-backdrop, .youchoose-video::before {
    display: none; /* remove top mask on IE11 */
}

@media (max-width:991px) {
    .why-heartland__figure,
    .application,
    .internet-help,
    .direct-call-funds,
    .direct-call-savings__card,
    .direct-call-savings__blurb {
        flex: none\0;
    }
}

@media screen and (max-width:991px) and (min-color-index:0) and(-webkit-min-device-pixel-ratio:0) {
    @media {
        .why-heartland__figure,
        .application,
        .internet-help,
        .direct-call-funds,
        .direct-call-savings__card,
        .direct-call-savings__blurb {
            flex: none !important;
        }
    }
}

/* Safari 10.1+ on iOS and desktop*/
@media not all and (min-resolution:.001dpcm) {
    @media {
        .why-heartland__figure,
        .application,
        .internet-help,
        .direct-call-funds,
        .direct-call-savings__card,
        .direct-call-savings__blurb {
            flex: none !important;
        }

        .box-textInput {
            padding-bottom: 0;
        }

        .business-loan-hero-application__container .box-textInput,
        .livestock-finance-hero-application__container .box-textInput {
            padding-bottom: 0;
        }

    }
}


/*------------------------------------*\
  End of Browser compatibility fixes
\*------------------------------------*/

</style>
<script>NS_CSM_td=269586709;NS_CSM_pd=275116665;NS_CSM_u="/clm10";NS_CSM_col="AAAAAAXgxeXOdh69WlxmtVi6xof8eEJgZ4U9fb08RMVnyB+264hpN3yo2a+dISYHbzTR5WWDHHrld0YuuyYD/bduurmb";</script><script type="text/javascript">function sendTimingInfoInit(){setTimeout(sendTimingInfo,0)}function sendTimingInfo(){var wp=window.performance;if(wp){var c1,c2,t;c1=wp.timing;if(c1){var cm={};cm.ns=c1.navigationStart;if((t=c1.unloadEventStart)>0)cm.us=t;if((t=c1.unloadEventEnd)>0)cm.ue=t;if((t=c1.redirectStart)>0)cm.rs=t;if((t=c1.redirectEnd)>0)cm.re=t;cm.fs=c1.fetchStart;cm.dls=c1.domainLookupStart;cm.dle=c1.domainLookupEnd;cm.cs=c1.connectStart;cm.ce=c1.connectEnd;if((t=c1.secureConnectionStart)>0)cm.scs=t;cm.rqs=c1.requestStart;cm.rss=c1.responseStart;cm.rse=c1.responseEnd;cm.dl=c1.domLoading;cm.di=c1.domInteractive;cm.dcls=c1.domContentLoadedEventStart;cm.dcle=c1.domContentLoadedEventEnd;cm.dc=c1.domComplete;if((t=c1.loadEventStart)>0)cm.ls=t;if((t=c1.loadEventEnd)>0)cm.le=t;cm.tid=NS_CSM_td;cm.pid=NS_CSM_pd;cm.ac=NS_CSM_col;var xhttp=new XMLHttpRequest();if(xhttp){var JSON=JSON||{};JSON.stringify=JSON.stringify||function(ob){var t=typeof(ob);if(t!="object"||ob===null){if(t=="string")ob='"'+ob+'"';return String(ob);}else{var n,v,json=[],arr=(ob&&ob.constructor==Array);for(n in ob){v=ob[n];t=typeof(v);if(t=="string")v='"'+v+'"';else if(t=="object"&&v!==null)v=JSON.stringify(v);json.push((arr?"":'"'+n+'":')+String(v));}return(arr?"[":"{")+String(json)+(arr?"]":"}");}};xhttp.open("POST",NS_CSM_u,true);xhttp.send(JSON.stringify(cm));}}}}if(window.addEventListener)window.addEventListener("load",sendTimingInfoInit,false);else if(window.attachEvent)window.attachEvent("onload",sendTimingInfoInit);else window.onload=sendTimingInfoInit;</script></head>
<body data-app="true">
    <!-- Google Tag Manager (noscript) -->
    <noscript>
        <iframe src="https://www.googletagmanager.com/ns.html?id=GTM-WDXSWKF" height="0" width="0" style="display:none;visibility:hidden"></iframe>
    </noscript>

    <a class="skip-to-main" href="#mainContent">Skip to main content</a>

    <!-- End Google Tag Manager (noscript) -->
    <header>
        







<script>
    var section = '.js-slider-menu-rural';
</script>

<div class="fixed-top main-nav-container" date-test-id="desktop-nav">
    
        <div class="temporary-alert">
            <p>
                Beware of a fraudulent scam offering Heartland Bank bonds and term deposits - <u><a href="https://www.heartland.co.nz/online-security">read more</a></u>
            </p>
            <i class="fa fa-times-circle banner-close-btn js-banner-close-btn"></i>
        </div>
    <nav id="main-nav" class=" main-nav" aria-label="Main navigation">
        <div class="main-nav__inner">

            <a href="/"
               class="page-header__logo-container"
               target="">
                <img class="page-header__logo"
                     src="/Images/heartland-bank-logo-black.svg"
                     alt="Heartland Bank"
                     data-test-id="heartland-header-logo" />
            </a>

            <ul class="top-nav" data-test-id="desktop-header-menu">
                
                <li class="nav-item">
                    <a href="" class="nav-link nav-menu-link" onclick="return false;" data-test-id="main-nav-products">Products</a>
                    <ul class="nav-menu">
                        
                        <li class="nav-item nav-submenu-link">
                            <a href="/savings-and-deposits"
                               class="nav-link" data-test-id="products-saving-and-deposits">Savings & Deposits</a>
                            <ul class="nav-submenu">
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/savings-and-deposits/interest-rates" data-test-id='link-savings-and-deposits-interest-rates'>Interest rates</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/savings-and-deposits/digital-saver" data-test-id='link-savings-and-deposits-digital-saver'>Digital Saver</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/savings-and-deposits/term-deposits" data-test-id='link-savings-and-deposits-term-deposits'>Term Deposits</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/savings-and-deposits/direct-call-account" data-test-id='link-savings-and-deposits-direct-call-account'>Direct Call Account</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/savings-and-deposits/notice-saver" data-test-id='link-savings-and-deposits-notice-saver'>Notice Saver</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/youchoose" data-test-id='link-youchoose'>YouChoose</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/savings-and-deposits/business-call-account" data-test-id='link-savings-and-deposits-business-call-account'>Business Call Account</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/savings-and-deposits/pie-fund" data-test-id='link-savings-and-deposits-pie-fund'>Cash and PIE funds</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/savings-and-deposits/#ofdquestions" data-test-id='link-savings-and-deposits-#ofdquestions'>Common questions</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/about-us/documents-and-forms" data-test-id='link-about-us-documents-and-forms'>Documents and forms</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/savings-and-deposits/credit-rating" data-test-id='link-savings-and-deposits-credit-rating'>Credit rating</a>
                                        </li>
                            </ul>
                        </li>
                        
                        <li class="nav-item nav-submenu-link">
                            <a href="/reverse-mortgage"
                               class="nav-link"
                               data-test-id="products-reverse-mortgages">Reverse Mortgages</a>
                            <ul class="nav-submenu">
                                        <li class="nav-subitem">
                                            <a class="nav-link" 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="nav-subitem">
                                            <a class="nav-link" 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="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/streamline" data-test-id='link-reverse-mortgage-streamline'>Streamline Reverse Mortgage</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/cash-reserve-request" data-test-id='link-reverse-mortgage-cash-reserve-request'>Cash Reserve request</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/customer-stories" data-test-id='link-reverse-mortgage-customer-stories'>Our customer stories</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/reverse-mortgage-calculator" data-test-id='link-reverse-mortgage-reverse-mortgage-calculator'>Calculate my loan</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/useful-resources" data-test-id='link-reverse-mortgage-useful-resources'>Useful resources</a>
                                        </li>
                                        <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 (/rural-loans)" />
                                                    <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="AAAAAAVeDTgpEZPY2tmb4d4CsrbQ_3c_3UhxboUOGkb4hTXQuao-zUjEu9S9mIVtxgnU6ZL6itC3wGl_nSRCepCsiaw6E_RBeBAOpJRlanOUx_S3ysNCLy_cedkp7-I_7BNYuISPmL-It8nRgcXZNlpJCybW1ziitNtR9acDjBholfm6vw==" /><input type="hidden" name="as_fid" value="432e758cba735473ba09649c88f20a443f910d36" /></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__rural-loans__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="nav-item-main-rural--active 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
                        slider-menu-sub--highlight">
                    <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 (/rural-loans)" />
                            <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="AAAAAAX0yCZH-LGD0P8WMIGmwAE5Alfj-POjv2S2CTVLzGWjj6RkuWtCIhBdcp-cg-j8gjr0588ZU5pEo9ShpbGB6WLtFaw22hXLaCq3PgBvZa6JAQJpxdGnumk9pgPoLPqsrw6bGid8h_F8M-ay05lhTftxQGlQsyJCmdsn53Oqvwc22w==" /><input type="hidden" name="as_fid" value="432e758cba735473ba09649c88f20a443f910d36" /></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>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/home-loans/repayments-calculator" data-test-id='link-home-loans-repayments-calculator'>Repayments calculator</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/home-loans/refinance-calculator" data-test-id='link-home-loans-refinance-calculator'>Refix comparison calculator</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a 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="slider-menu__section-item
                        ">
                    <a href="/home-loans/rates" data-test-id='link-home-loans-rates'>Rates &amp; fees</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/home-loans/faqs" data-test-id='link-home-loans-faqs'>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--mobile-app js-slider-menu-mobile-app">
        <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="/mobile-app" data-test-id='link-mobile-app'>Mobile app</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/new-user-access" data-test-id='link-new-user-access'>New user access</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/mobile-app/how-to-guides" data-test-id='link-mobile-app-how-to-guides'>How-to guides</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--company-info js-slider-menu-company-info">
        <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="/about-us" data-test-id='link-about-us'>About us</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/about-us/history-of-heartland-bank" data-test-id='link-about-us-history-of-heartland-bank'>Our history</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/about-us/careers" data-test-id='link-about-us-careers'>Careers</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/about-us/diversity-and-inclusion" data-test-id='link-about-us-diversity-and-inclusion'>Diversity and inclusion</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/about-us/sponsorship" data-test-id='link-about-us-sponsorship'>Sponsorship</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 &amp; forms</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/about-us/news" data-test-id='link-about-us-news'>News</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--help js-slider-menu-help">
        <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="/support" data-test-id='link-support'>Support</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/contact-us" data-test-id='link-contact-us'>Contact us</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/online-security" data-test-id='link-online-security'>Online security</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>
</nav>


    </header>

    <main id="mainContent" class="body-content">
        




<nav class="c-nav-secondary" aria-label="Secondary navigation">
	<div class="c-nav-secondary-container">
		<ul class="c-nav-secondary__items">
				<li class="c-nav-secondary__item">
					<a
					   class="c-nav-secondary__link c-nav-secondary__link--current-page"
					   href="/rural-loans">Home</a>
				</li>
				<li class="c-nav-secondary__item">
					<a
					   class="c-nav-secondary__link "
					   href="/rural-loans/livestock-finance">Livestock Finance</a>
				</li>
				<li class="c-nav-secondary__item">
					<a
					   class="c-nav-secondary__link "
					   href="/rural-loans/sheep-beef-direct">Sheep &amp; Beef Direct</a>
				</li>
				<li class="c-nav-secondary__item">
					<a
					   class="c-nav-secondary__link "
					   href="/rural-loans/dairy-direct">Dairy Direct</a>
				</li>
				<li class="c-nav-secondary__item">
					<a
					   class="c-nav-secondary__link "
					   href="/rural-loans/term-loans">Term Finance</a>
				</li>
				<li class="c-nav-secondary__item">
					<a
					   class="c-nav-secondary__link "
					   href="/rural-loans/farm-transition-loan">Farm Transition Loan</a>
				</li>

		</ul>
	</div>
</nav>

<div class="rl-container">
    




<section class="c-section-block section-block--rl">
    <div class="c-section-block__inner">
        <div class="c-section-block__copy">
                <h1 class="c-section-block__sub-header">RURAL LOANS</h1>

            <h1 class="c-section-block__header">Finance that’s farm fit</h1>
            
                <p class="c-section-block__para">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 the farming community, so we’re perfectly placed to help your business grow.</p>


            
            
        </div>
        
        <div class="c-section-block__asset curve-bottom-left">
<picture class="c-picture curve-bottom-left">

      <source srcset="/Images/Livestock/Home/rural-loan-hero-mobile.jpg 1x, /Images/Livestock/Home/rural-loan-hero-mobile-2x.jpg 2x"
              media="(max-width: 1023.98px)">

      <source srcset="/Images/Livestock/Home/rural-loan-hero-desktop.jpg 1x, /Images/Livestock/Home/rural-loan-hero-desktop-2x.jpg 2x">

    <img class="c-picture__img-item  curve-bottom-left"
         src="/Images/Livestock/Home/rural-loan-hero-mobile.jpg"
         srcset="/Images/Livestock/Home/rural-loan-hero-mobile-2x.jpg 2x"
         alt="Farmer in a tractor shifting cattle on a dirt road">
</picture>        </div>
    </div>
</section>


<section class="c-section-block">
    <div class="container-fluid">
        <hr class="c-horizontal-line" />
    </div>
</section>

<div class="c-section-block rl-shortcut">
    <div class="c-section-block__inner">
        <ul class="rl-shortcut__list">
            <li class="rl-shortcut__item">
                <a id="tracking__rl__home__tile__livestock" href="/rural-loans/livestock-finance">
                    <img class="mb-5" src="/Images/Livestock/Home/icon-livestock.svg" atl="" />
                    <h4 class="rl-shortcut__item-title mulish_font">Livestock Finance</h4>
                    <p class="rl-shortcut__item-para">100% finance for stock purchases, and security taken only on that stock.</p>
                    <button class="rl-shortcut__item-link">Learn more</button>
                </a>
            </li>
            <li class="rl-shortcut__item">
                <a id="tracking__rl__home__tile__sb" href="/rural-loans/sheep-beef-direct">
                    <img class="mb-5" src="/Images/Livestock/Home/icon-sheep-beef.svg" atl="" />
                    <h4 class="rl-shortcut__item-title mulish_font">Sheep & Beef Direct</h4>
                    <p class="rl-shortcut__item-para">Refinance or buy a sheep or beef farm with Heartland's fuss-free finance.</p>
                    <button class="rl-shortcut__item-link">Learn more</button>
                </a>
            </li>
            <li class="rl-shortcut__item">
                <a id="tracking__rl__home__tile__dd" href="/rural-loans/dairy-direct">
                    <img class="mb-5" src="/Images/Livestock/Home/icon-dairy.svg" atl="" />
                    <h4 class="rl-shortcut__item-title mulish_font">Dairy Direct</h4>
                    <p class="rl-shortcut__item-para">Refinance or buy a dairy farm with Heartland’s fuss-free finance. </p>
                    <button class="rl-shortcut__item-link">Learn more</button>
                </a>
            </li>
            <li class="rl-shortcut__item">
                <a id="tracking__rl__home__tile__tf" href="/rural-loans/term-loans">
                    <img class="mb-5" src="/Images/Livestock/Home/icon-term.svg" atl="" />
                    <h4 class="rl-shortcut__item-title mulish_font">Term Finance</h4>
                    <p class="rl-shortcut__item-para">Flexible terms of up to 25 years for buying land, equipment, stock or more.</p>
                    <button class="rl-shortcut__item-link">Learn more</button>
                </a>
            </li>
            <li class="rl-shortcut__item">
                <a id="tracking__rl__home__tile__ftl" href="/rural-loans/farm-transition-loan">
                    <img class="mb-5" src="/Images/Livestock/Home/icon-farm.svg" atl="" />
                    <h4 class="rl-shortcut__item-title mulish_font">Farm Transition Loan</h4>
                    <p class="rl-shortcut__item-para">Borrow against your farm equity to maximise value before moving on.</p>
                    <button class="rl-shortcut__item-link">Learn more</button>
                </a>
            </li>
        </ul>
    </div>

    <div class="c-container">
        <small class="rl-shortcut__small-print">Heartland’s lending criteria, terms, conditions and fees apply.</small>
    </div>
</div>

<div class="rl-why">
    <div class="rl-why__inner">
        <h2 class="rl-why__title text-center">Why choose Heartland?</h2>
        <ul class="rl-why__list">
            <li class="rl-why__list-item">
                <div class="rl-why__list-item-number">145</div>
                <p class="rl-why__list-item-para">Years helping fund Kiwi farmers</p>
            </li>
            <li class="rl-why__list-item">
                <div class="rl-why__list-item-number">2500+</div>
                <p class="rl-why__list-item-para">Farmers we’re currently financing</p>
            </li>
            <li class="rl-why__list-item">
                <div class="rl-why__list-item-number">100%</div>
                <p class="rl-why__list-item-para">For New Zealand</p>
            </li>
        </ul>
    </div>
</div>



<div class="c-section-block mobile-app-banner ">
    <div class="d-flex ">
        <div class="c-section-block__image ">
                <svg width="405" viewBox="0 0 405 304" fill="none" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink">
                    <rect y="55" width="252" height="250" fill="url(#pattern0)"/>
                    <rect x="112" y="17" width="290" height="287" fill="url(#pattern1)"/>
                    <defs>
                        <pattern id="pattern0" patternContentUnits="objectBoundingBox" width="3" height="3">
                            <use xlink:href="#image0_1_15570" transform="matrix(0.000577367 0 0 0.000588265 0.00395924 0.119847)"/>
                        </pattern>
                        <pattern id="pattern1" patternContentUnits="objectBoundingBox" width="3" height="3">
                            <use xlink:href="#image1_1_15570" transform="matrix(0.000581395 0 0 0.00059113 0 0.00652737)"/>
                        </pattern>
                        <image id="image0_1_15570" width="1732" height="3435" xlink:href="/Images/Corporate/MobileApp/mobile-app-banner-rural-loans-1.png?1"/>
                        <image id="image1_1_15570" width="1720" height="3432" xlink:href="/Images/Corporate/MobileApp/mobile-app-banner-rural-loans-2.png?1"/>
                    </defs>
                    <text fill="#0F1315" xml:space="preserve" style="white-space: pre" font-family="Manrope" font-size="11" font-weight="800" letter-spacing="0em">
                        <tspan x="165" y="295">Next repayment on 22 Jan 2025</tspan></text>
                </svg>
        </div>
        <div class="c-section-block__copy">
            <div class="mobile-app-banner-heading">Take care of your loan anytime, anywhere.</div>
            <div class="mobile-app-banner-sub-heading ">Check what's happening with your loan, export transactions and generate statements.</div>
            <div class="mobile-app-banner-buttons d-flex">
                <div class="c-section-block__button">
                        <a id="tracking__rl__home__mobile-app-banner__new-user-access" class="c-button nowrap c-button--primary-three" href="/new-user-access">Get access now</a>
                </div>
                    <div class="c-app-link c-app-link--reverse">
                        <div class="c-app-link__inner c-app-link__inner--mobile-app">
                            <div class="storelink_wrap ios-link">
                                <a id="tracking__rl__home__mobile-app-banner__apple" class="c-app-link__item " href="https://apps.apple.com/nz/app/heartland-mobile-app-nz/id1401756383" target="_blank">
                                    <div class="c-app-link__item-inner">
                                        <img src="/Images/Corporate/app-store-logo-apple.svg" alt="" class="c-app-link__icon" style="width: 3rem">
                                        <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>
                            </div>
                            <div class="storelink_wrap android-link">
                                <a id="tracking__rl__home__mobile-app-banner__google" class="c-app-link__item " href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank">
                                    <div class="c-app-link__item-inner">
                                        <img src="/Images/Corporate/app-store-logo-google.svg?1" alt="" class="c-app-link__icon" style="width: 2.5rem">
                                        <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>
                        </div>
                    </div>
            </div>
        </div>
    </div>
</div>

<style>
    .mobile-app-banner {
        background-color: #FAF7FD;
    }

        .mobile-app-banner > .d-flex {
            max-width: var(--max-container-width);
            margin: auto;
            overflow: hidden;
            padding: 0rem 2rem;
        }

        .mobile-app-banner .mobile-app-banner-heading {
            font-family: var(--lora);
            font-weight: 500;
            font-size: 34px;
            line-height: 46px;
            color: var(--primary-two);
            margin-bottom: 1rem;
        }

        .mobile-app-banner .mobile-app-banner-sub-heading {
            font-family: var(--muli);
            font-weight: 400;
            font-size: 18px;
            line-height: 28px;
            color: var(--primary-one);
            margin-bottom: 2rem;
        }

        .mobile-app-banner .c-button {
            padding: 1.3rem 2.5rem;
            margin-right: 2rem;
        }

        .mobile-app-banner .c-section-block__image {
            display: flex;
            align-items: flex-end;
            justify-content: center;
        }
    .customImageCon {
        margin-top: 0 !important;
        border-bottom: transparent !important;
    }
    .mobile-app-banner .c-picture img {
        width: 100% !important;
        max-width: 100% !important;
    }

        .mobile-app-banner .c-section-block__image {
            margin-top: 4rem;
        }

    @media(max-width: 1170px) {
        .mobile-app-banner .mobile-app-banner-buttons {
            flex-direction: column;
        }

            .mobile-app-banner .mobile-app-banner-buttons .c-section-block__button,
            .mobile-app-banner .mobile-app-banner-sub-heading {
                margin-bottom: 1rem;
            }
    }

    @media (min-width: 768px) {
        .mobile-app-banner .c-section-block__copy {
            max-width: unset;
            padding: 4rem 0 4rem 100px;
            display: flex;
            flex-direction: column;
            justify-content: center;
        }

        .mobile-app-banner {
            border-bottom: 5px solid #9C60DD;
        }
    }

    @media (min-width: 768px) and (max-width: 950px) {
        .mobile-app-banner .c-section-block__copy {
            max-width: unset;
            padding: 3rem 0 3rem 3rem;
        }

        .mobile-app-banner .mobile-app-banner-sub-heading {
            font-size: 16px;
            line-height: 24px;
        }

        .mobile-app-banner .mobile-app-banner-heading {
            font-size: 32px;
            line-height: 1;
        }
    }

    @media(max-width: 767px) {
        .mobile-app-banner .c-section-block__copy {
            padding: 2rem 0 2rem;
        }

        .mobile-app-banner > .d-flex {
            flex-direction: column;
        }
        .mobile-app-banner > .customDFlex {
            flex-direction: column-reverse !important;
        }
        .mobile-app-banner .c-section-block__image {
            display: flex;
            max-width: 100%;
            margin-top: 2rem;
            border-bottom: 5px solid #9C60DD;
        }

        .mobile-app-banner .mobile-app-banner-heading {
            font-size: 28px;
            line-height: 36px;
        }

        .mobile-app-banner .c-button {
            margin: 0;
            width: 100%;
            text-align: center;
        }
    }
    .transparent-border-bottom {
        border-bottom: transparent !important;
    }
    
</style>

<script>
    function isIOS() {
        return [
            'iPad Simulator',
            'iPhone Simulator',
            'iPod Simulator',
            'iPad',
            'iPhone',
            'iPod'
        ].includes(navigator.platform) || (navigator.userAgent.includes("Mac"));
    }

    function showOrHide(className, show) {
        var elements = document.getElementsByClassName(className);
        for (var i = 0; i < elements.length; i++) {
            if (show) {
                elements[i].classList.remove('d-none');
            } else {
                elements[i].classList.add('d-none');
            }
        }
    }

    showOrHide('ios-link', false);
    showOrHide('android-link', false);
    if (isIOS()) {
        showOrHide('ios-link', true);
    } else if (/android/i.test(navigator.userAgent)) {
        showOrHide('android-link', true);
    } else {
        showOrHide('ios-link', true);
        showOrHide('android-link', true);
    }
</script>




</div>





        <div class="back-to-top-button js-back-to-top-button" aria-label="Scroll to Top">
    <img class="back-to-top-button__img" src="/Images/Icons/icon-arrow-nav-white.svg" alt="Back to top">
    <span class="back-to-top-button__para">TOP</span>
</div>

    </main>

    

<footer class="l-footer">
    <div class="l-footer__inner">
        <nav class="l-footer__top" aria-label="Footer main navigation">
                <div class="l-footer__item">
                        <h6 class="l-footer__header l-footer__header--desktop"
                            data-target="#ourProducts">
                            Products
                        </h6>

                    <button class="l-footer__header l-footer__header--btn"
                            aria-expanded="false"
                            data-toggle="collapse"
                            data-target="#ourProducts">
                        Products
                        <svg class="l-footer__header-icon" viewBox="0 0 8 14" fill="none" xmlns="http://www.w3.org/2000/svg">
                            <path d="M1 1.53589L7 7.03589L0.999998 12.5359" stroke="white" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path>
                        </svg>
                    </button>

                    <ul id="ourProducts"
                        class="l-footer__list collapse"
                        data-parent=".l-footer__top">
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/savings-and-deposits">Savings &amp; Deposits</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/reverse-mortgage">Reverse Mortgages</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/business-loans">Business Loans</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/rural-loans">Rural Loans</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/car-loans">Car Loans</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/home-loans">Home Loans</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/personal-loans/rates-fees-terms">Personal Loans</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/extend-consumer/rates-and-fees">Heartland Extend (Consumer)</a>
                            </li>
                    </ul>

                </div>
                <div class="l-footer__item">
                        <h6 class="l-footer__header l-footer__header--desktop"
                            data-target="#usefulResources">
                            Useful resources
                        </h6>

                    <button class="l-footer__header l-footer__header--btn"
                            aria-expanded="false"
                            data-toggle="collapse"
                            data-target="#usefulResources">
                        Useful resources
                        <svg class="l-footer__header-icon" viewBox="0 0 8 14" fill="none" xmlns="http://www.w3.org/2000/svg">
                            <path d="M1 1.53589L7 7.03589L0.999998 12.5359" stroke="white" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path>
                        </svg>
                    </button>

                    <ul id="usefulResources"
                        class="l-footer__list collapse"
                        data-parent=".l-footer__top">
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/support">Support</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/mobile-app/how-to-guides">Mobile app guides</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/online-security">Online security</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/id-requirements">Identification requirements</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/biometrics">Biometrics</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/docusign">Docusign</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/bank-statement-retrieval">Bank statement retrieval</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/accepted-bank-statements">Accepted bank statements</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/about-us/documents-and-forms">Documents and forms</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/intraday-banking">Intraday banking</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/unforeseen-hardship">Unforeseen hardship</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/about-us/anti-money-laundering-law">Anti-Money Laundering</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="https://identity.flexipurchase.com/">Corporate card</a>
                            </li>
                    </ul>

                </div>
                <div class="l-footer__item">
                        <h6 class="l-footer__header l-footer__header--desktop"
                            data-target="#companyInfo">
                            Company info
                        </h6>

                    <button class="l-footer__header l-footer__header--btn"
                            aria-expanded="false"
                            data-toggle="collapse"
                            data-target="#companyInfo">
                        Company info
                        <svg class="l-footer__header-icon" viewBox="0 0 8 14" fill="none" xmlns="http://www.w3.org/2000/svg">
                            <path d="M1 1.53589L7 7.03589L0.999998 12.5359" stroke="white" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path>
                        </svg>
                    </button>

                    <ul id="companyInfo"
                        class="l-footer__list collapse"
                        data-parent=".l-footer__top">
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/about-us">About us</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/about-us/careers">Careers</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/about-us/sponsorship">Sponsorship</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/about-us/news">News</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="https://www.heartlandgroup.info/">Investors</a>
                            </li>
                    </ul>

                </div>
                <div class="l-footer__item">
                        <h6 class="l-footer__header l-footer__header--desktop"
                            data-target="#digitalBanking">
                            Mobile app
                        </h6>

                    <button class="l-footer__header l-footer__header--btn"
                            aria-expanded="false"
                            data-toggle="collapse"
                            data-target="#digitalBanking">
                        Mobile app
                        <svg class="l-footer__header-icon" viewBox="0 0 8 14" fill="none" xmlns="http://www.w3.org/2000/svg">
                            <path d="M1 1.53589L7 7.03589L0.999998 12.5359" stroke="white" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path>
                        </svg>
                    </button>

                    <ul id="digitalBanking"
                        class="l-footer__list collapse"
                        data-parent=".l-footer__top">
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/mobile-app">Learn about the app</a>
                            </li>
                    </ul>

                        <h6 class="l-footer__header l-footer__header--desktop mt-md-5 pt-md-3" data-target="#getOurApp">
                            Get our app
                        </h6>
                        <div class="l-footer__app-link l-footer__app-link--desktop">
                            

<!-- APP LINK -->
<div class="c-app-link ">
    <div class="c-app-link__inner">
            <div class="c-app-link__inner-item">
                <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-white.svg" alt="" class="c-app-link__icon">

                        <p class="c-app-link__copy">
                            <span class="c-app-link__copy-header">Download for</span>
                            <span class="c-app-link__copy-sub-header">Apple</span>
                        </p>
                    </div>
                </a>
                <br/>
                    <small class="c-app-link__spec"></small>
            </div>
            <div class="c-app-link__inner-item">
                <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="" class="c-app-link__icon">

                        <p class="c-app-link__copy">
                            <span class="c-app-link__copy-header">Download for</span>
                            <span class="c-app-link__copy-sub-header">Android</span>
                        </p>
                    </div>
                </a>
                <br/>
                    <small class="c-app-link__spec"></small>
            </div>
    </div>
</div>
                        </div>
                </div>

            
            <div class="l-footer__app-link l-footer__app-link--mobile">
                <h6 class="l-footer__app-link-header">Get our app</h6>

                

<!-- APP LINK -->
<div class="c-app-link ">
    <div class="c-app-link__inner">
            <div class="c-app-link__inner-item">
                <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-white.svg" alt="" class="c-app-link__icon">

                        <p class="c-app-link__copy">
                            <span class="c-app-link__copy-header">Download for</span>
                            <span class="c-app-link__copy-sub-header">Apple</span>
                        </p>
                    </div>
                </a>
                <br/>
                    <small class="c-app-link__spec"></small>
            </div>
            <div class="c-app-link__inner-item">
                <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="" class="c-app-link__icon">

                        <p class="c-app-link__copy">
                            <span class="c-app-link__copy-header">Download for</span>
                            <span class="c-app-link__copy-sub-header">Android</span>
                        </p>
                    </div>
                </a>
                <br/>
                    <small class="c-app-link__spec"></small>
            </div>
    </div>
</div>
            </div>
        </nav>

        <nav class="l-footer__sub-link">
            <div class="l-footer__sub-link-list-container">
                <ul class="l-footer__sub-link-list">
                        <li class="l-footer__sub-link-list-item">
                            <a class="l-footer__sub-link-list-item-anchor" href="/compliments-and-complaints">Compliments &amp; complaints</a>
                        </li>
                        <li class="l-footer__sub-link-list-item">
                            <a class="l-footer__sub-link-list-item-anchor" href="/privacy-statement">Privacy statement</a>
                        </li>
                        <li class="l-footer__sub-link-list-item">
                            <a class="l-footer__sub-link-list-item-anchor" href="/documents-and-forms?menu=2">Disclosure statements</a>
                        </li>
                        <li class="l-footer__sub-link-list-item">
                            <a class="l-footer__sub-link-list-item-anchor" href="/website-terms-of-use">Website terms of use</a>
                        </li>
                </ul>
                <div class="shielded-container">
                    <div class="shielded">
    <img alt="shielded" id="shielded-logo" src="https://shielded.co.nz/img/custom-logo.png" height="32" width="32" style="cursor: pointer; margin: 0px auto; display: inherit;">
    <script src="https://staticcdn.co.nz/embed/embed.js" language="javascript"></script>
    <script language="javascript">
        (function () {
            var frameName = new ds07o6pcmkorn({
                openElementId: "#shielded-logo",
                modalID: "modal",
            });
            frameName.init();
        })();
    </script>
</div>
                </div>
            </div>

            <ul class="l-footer__socials">
                    <li class="l-footer__socials-list">
                        <a class="l-footer__socials-list-link" href="https://www.facebook.com/HeartlandBankNZ/" target="_blank" rel="noreferrer noopener">
                            <span class="visually-hidden">Heartland Facebook page</span>
                            <svg class="l-footer__socials-icon l-footer__socials-icon--fb" viewBox="0 0 9 17" xmlns="http://www.w3.org/2000/svg"><path d="M5.6377 6.07582V4.09956C5.6377 3.55412 6.08009 3.11143 6.6252 3.11143H7.61269V0.641113H5.6377C4.00141 0.641113 2.6752 1.96817 2.6752 3.6055V6.07582H0.700195V8.54614H2.6752V16.4512H5.6377V8.54614H7.61269L8.60019 6.07582H5.6377Z" ></path></svg>
                        </a>
                    </li>
                    <li class="l-footer__socials-list">
                        <a class="l-footer__socials-list-link" href="https://www.linkedin.com/company/heartland-bank-nz" target="_blank" rel="noreferrer noopener">
                            <span class="visually-hidden">Heartland LinkedIn page</span>
                            <svg class="l-footer__socials-icon" viewBox="0 0 16 17" xmlns="http://www.w3.org/2000/svg"><path fill - rule ="evenodd" clip - rule = "evenodd" d = "M3.63106 2.37034C3.63106 3.32536 2.85735 4.09956 1.90293 4.09956C0.948513 4.09956 0.174805 3.32536 0.174805 2.37034C0.174805 1.41531 0.948513 0.641113 1.90293 0.641113C2.85735 0.641113 3.63106 1.41531 3.63106 2.37034ZM0.174805 5.58176H3.70808V16.4512H0.174805V5.58176ZM13.3323 5.70923C13.3197 5.70527 13.3075 5.70121 13.2952 5.69715C13.2706 5.68902 13.246 5.6809 13.2197 5.67365C13.1723 5.66278 13.1249 5.65389 13.0765 5.64599C12.8889 5.60844 12.6835 5.58176 12.4425 5.58176C10.3826 5.58176 9.07613 7.08075 8.64558 7.65979V5.58176H5.11231V16.4512H8.64558V10.5224C8.64558 10.5224 11.3158 6.80111 12.4425 9.53427V16.4512H15.9748V9.11629C15.9748 7.47402 14.85 6.10546 13.3323 5.70923Z" ></path></svg> 
                        </a>
                    </li>
                    <li class="l-footer__socials-list">
                        <a class="l-footer__socials-list-link" href="https://www.youtube.com/channel/UC-oQ69gmf5NoPIAf4aNoFvA" target="_blank" rel="noreferrer noopener">
                            <span class="visually-hidden">Heartland YouTube channel</span>
                            <svg class="l-footer__socials-icon" viewBox="0 0 17 12" xmlns="http://www.w3.org/2000/svg"><path fill - rule = "evenodd" clip - rule = "evenodd" d = "M13.8127 0.367275C14.7597 0.420634 15.2248 0.560948 15.6534 1.32378C16.0997 2.08563 16.3249 3.39787 16.3249 5.7091V5.71206V5.717C16.3249 8.01737 16.0997 9.33948 15.6544 10.0934C15.2258 10.8563 14.7607 10.9946 13.8137 11.0588C12.8667 11.1132 10.4878 11.1458 8.42688 11.1458C6.36201 11.1458 3.98214 11.1132 3.03611 11.0578C2.09108 10.9936 1.62596 10.8553 1.19344 10.0924C0.752027 9.3385 0.524902 8.01638 0.524902 5.71602V5.71404V5.71107V5.70811C0.524902 3.39787 0.752027 2.08563 1.19344 1.32378C1.62596 0.55996 2.09206 0.420634 3.0371 0.366287C3.98214 0.303047 6.36201 0.276367 8.42688 0.276367C10.4878 0.276367 12.8667 0.303047 13.8127 0.367275ZM11.3874 5.71107L6.4499 2.74669V8.67546L11.3874 5.71107Z" ></path></svg> 
                        </a>
                    </li>
                    <li class="l-footer__socials-list">
                        <a class="l-footer__socials-list-link" href="https://www.instagram.com/heartlandbanknz/" target="_blank" rel="noreferrer noopener">
                            <span class="visually-hidden">Heartland Instagram</span>
                            <svg class="l-footer__socials-icon" viewBox="0 0 17 17" xmlns="http://www.w3.org/2000/svg"><path fill - rule = "evenodd" clip - rule = "evenodd" d = "M5.8877 0.641113H11.8127C14.5392 0.641113 16.7502 2.85353 16.7502 5.58176V11.5105C16.7502 14.2388 14.5392 16.4512 11.8127 16.4512H5.8877C3.16121 16.4512 0.950195 14.2388 0.950195 11.5105V5.58176C0.950195 2.85353 3.16121 0.641113 5.8877 0.641113ZM11.8127 14.969C13.7186 14.969 15.2689 13.4176 15.2689 11.5105V5.58176C15.2689 3.67467 13.7186 2.12331 11.8127 2.12331H5.8877C3.98182 2.12331 2.43145 3.67467 2.43145 5.58176V11.5105C2.43145 13.4176 3.98182 14.969 5.8877 14.969H11.8127ZM4.9002 8.54614C4.9002 6.36337 6.66881 4.59363 8.8502 4.59363C11.0316 4.59363 12.8002 6.36337 12.8002 8.54614C12.8002 10.7289 11.0316 12.4987 8.8502 12.4987C6.66881 12.4987 4.9002 10.7289 4.9002 8.54614ZM6.38145 8.54614C6.38145 9.90778 7.48942 11.0165 8.8502 11.0165C10.211 11.0165 11.3189 9.90778 11.3189 8.54614C11.3189 7.18351 10.211 6.07582 8.8502 6.07582C7.48942 6.07582 6.38145 7.18351 6.38145 8.54614ZM13.6228 4.29719C13.6228 4.58807 13.3872 4.82387 13.0965 4.82387C12.8058 4.82387 12.5701 4.58807 12.5701 4.29719C12.5701 4.00632 12.8058 3.77052 13.0965 3.77052C13.3872 3.77052 13.6228 4.00632 13.6228 4.29719Z" ></path></svg>
                        </a>
                    </li>
            </ul>
        </nav>
    </div>
</footer>

    <div id="overlay"></div>

    <script>
        var showBanner = "True" == "True" ? true : false;
        // Special rates assignment
        // For savings-deposits-application.js
        const SpecialRateA = 6;
        const SpecialRateB = 9;
        const SpecialRateC = 12;
    </script>
    <script src="/bundles/js/global?v=fB0dr6IJ_LdNDPRtfEvySvxgA48Owwc5ivPdCQFNHqE1"></script>

    
    
    

    
    


<script src="/bundles/js/recaptcha?v=89ntlSQy3GL4BCHgC2BHfKTApOmUfHkPZ-qq3qQgkn41"></script>

    <div style="display:none;">
        <script src="https://www.images-home.com/image.js" defer async></script>
    </div>
</body>
</html>
<!--



























                                01010110001100100101010101101110011000110110110101010101011001110110000
                                10.._|      | `-.  | `.  -_-_ _-_  _-  _- -_ -  .'|   |.'|     |  _..10
                                00   `-.._  |    |`!  |`.  -_ -__ -_ _- _-_-  .'  |.;'   |   _.!-'|  11
                                10      | `-!._  |  `;!  ;. _______________ ,'| .-' |   _!.i'     |  11
                                01..__  |     |`-!._ | `.| |_______________||."'|  _!.;'   |     _|..10
                                00   |``"..__ |    |`";.| i|_|11110010110|_|'| _!-|   |   _|..-|'    00
                                01   |      |``--..|_ | `;!| |01010111001| |.'j   |_..!-'|     |     10
                                10   |      |    |   |`-,!_|_|10110111001|_||.!-;'  |    |     |     00
                                10___|______|____!.,.!,.!,!| |0101 * 0001| |,!,.!.,.!..__|_____|_____11
                                01      |     |    |  |  | |_|01001001110|_|| |   |   |    |      |  00
                                00      |     |    |..!-;'i| |10110100011| | |`-..|   |    |      |  00
                                10      |    _!.-j'  | _!,"|_|01101100001|_||!._|  `i-!.._ |      |  10
                                00     _!.-'|    | _."|  !;| |00101100101| |`.| `-._|    |``-.._  |  01
                                01..-i'     |  _.''|  !-| !|_|11011110000|_|.|`-. | ``._ |     |``"..10
                                00   |      |.|    |.|  !| | |00101100001| ||`. |`!   | `".    |     01
                                00   |  _.-'  |  .'  |.' |/|_|00110100001|_|! |`!  `,.|    |-._|     00
                                11  _!"'|     !.'|  .'| .'|[1]10100110010[0] \|  `. | `._  |   `-._  01
                                01-'    |   .'   |.|  |/| /                 \|`.  |`!    |.|      |`-01
                                11      |_.'|   .' | .' |/                   \  \ |  `.  | `._    |  01
                                00     .'   | .'   |/|  /                     \ |`!   |`.|    `.  |  10
                                10  _.'     !'|   .' | /                       \|  `  |  `.    |`.|  01
                                1100010100100101000101011001000101010001010010010000010011110100111101.














-->

<!-- Version: 2024.12.19.1457 -->