Heartland Group Holdings Limited is a financial services group which operates through its subsidiary Heartland Bank Limited. It focuses on banking products in three markets which includes Household, Business and Rural. Household includes investment products, consumer lending, reverse mortgages and motor vehicle lending. Business includes working capital and plant and equipment finance distributed through its relationship managers, partners and intermediaries. It provides finance for small-to-medium sized businesses available online including through its digital platform. Rural includes rural loans and livestock finance distributed through its relationship managers and alliance partners. The Company provides reverse mortgage loans and also provides funding to partners in the Small Business and Consumer Lending sectors. The Company operates in New Zealand and Australia.