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Heartland Seniors Finance

Compare home loan rates from Heartland Seniors Finance.


Heartland Seniors Finance

On this page you can find information about Heartland Seniors Finance home loans. Skip ahead to the full table of products or read more about the lender.

Compare Heartland Seniors Finance home loans

Compare Heartland Seniors Finance home loan products below and hit "load more" to see a fuller selection of loans. You can also find more information on each individual product by clicking "more info".

Data indicated here is updated regularly
Loan purpose
Offset account
Loan type
Repayment type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
Heartland Seniors Finance Standard Reverse Mortgage
$0 p.a.
A reverse mortgage for homeowners over 60 wishing to access up to 45% of their property's value. Repayments are not required until the end of the loan.
Heartland Seniors Finance Secondary Property Reverse Mortgage
$0 p.a.
A reverse mortgage that lets you access the equity in your investment property. Repayments are not required until the end of the loan.
Heartland Seniors Finance Aged Care Option
$0 p.a.
A reverse mortgage designed to help fund your aged care costs. Repayments are not required until the end of the loan.

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Heartland Seniors Finance lender profile

  • Heartland Seniors Finance is one of Australia's leading reverse mortgage lenders. A reverse mortgage enables seniors to access the equity in their property to help them live comfortably in retirement without having to sell their home.
  • Heartland Seniors Finance was founded in 2004 and has served over 18,000 Australian seniors. The company is owned by New Zealand's Heartland Group Holdings Limited.
  • The company's products have borrower protection and a no negative equity guarantee, which mean that your reverse mortgage borrowing costs won't exceed the sale value of your house (ensuring that you or your family will be able to cover your debts).

How do I apply for a Heartland Seniors Finance mortgage?

If you'd like to apply for a home loan from Heartland Seniors Finance, please speak to a mortgage broker or contact the lender directly.


Each Heartland Seniors Finance product has specific eligibility criteria but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Heartland Seniors Finance you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

  • Identification documents. You will need identification such as a driver's license, passport or birth certificate.
  • Proof of income documents. Recent payslips can establish your income.
  • Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

Detailed guide to home loan applications and paperwork

Looking for more mortgage options?

Home Loan Offers

Important Information*
Logo for UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 2.59% p.a. and a 2.59% p.a. comparison rate.

Logo for Essentials - Variable (Owner Occupier, P&I) Essentials - Variable (Owner Occupier, P&I)

A competitive interest rate home loan with interest only options. Interest rate 2.79% p.a.
comp rate of 2.81% p.a.

Logo for Smart Home Loan - (Owner Occupier, P&I) Smart Home Loan - (Owner Occupier, P&I)

Get a low variable interest rate and pay 0 application or ongoing fees with this convenient online lender.

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