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".

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Applications are subject to approval. Conditions, fees and charges apply. Please note that you need to be an Australian citizen or permanent resident to apply.

Credit services for Aussie Select, Aussie Activate and Aussie Elevate products are provided by AHL Investments Pty Ltd ACN 105 265 861 (“Aussie”) and its appointed credit representatives, Australian Credit Licence 246786. Credit for Aussie Select products is provided by Residential Mortgage Group Pty Ltd ACN 152 378 133, Australian Credit Licence 414133 (“RMG”). RMG is a wholly-owned subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian Credit Licence 234945. Credit for Aussie Activate products is provided by Pepper Finance Corporation Limited ACN 094 317 647 (“Pepper”). Pepper Group Limited ACN 094 317 665, Australian Credit Licence 286655 acts on behalf of Pepper. Credit services for Aussie Elevate products are provided by AHL Investments Pty Ltd ACN 105 265 861 Australian Credit Licence 246786 (“Aussie”) and its appointed credit representatives. Aussie is a trade mark of AHL Investments Pty Ltd ABN 27 105 265 861. Credit and any applicable offset accounts for Aussie Elevate are issued by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL / Australian Credit Licence 237879.

Aussie is a trade mark of AHL Investments Pty Ltd. Aussie is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. ©2019 AHL Investments Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786.

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Rates last updated December 12th, 2019
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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
6.20%
6.22%
$0
$0 p.a.
45%
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
6.20%
6.22%
$0
$0 p.a.
33.75%
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
6.20%
6.30%
$0
$0 p.a.
50%
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.

Eligibility

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

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Home Loan Offers

Important Information*
Logo for St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Online only cashback offer: Refinancers borrowing $250,000 or more can get a $4,000 cashback for their first application (Other terms, conditions and exclusions apply). Buyers and refinancers can get this competitive variable interest rate. Application fee waived for loans above $150,000.

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 2.84% p.a. and a 2.84% p.a. comparison rate.

Logo for Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)

Get one free online redraw per month and pay no ongoing fees. Application fees are waived for loans above $150,000.

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