StockCo vs Heartland
See how StockCo and Heartland compare on rates, LVRs, fees, and timelines. Understand which suits your farm and get a personalised quote.
At-a-glance comparison
| Feature | StockCo | Heartland Bank |
|---|---|---|
| Typical LVR Range | 60-80% | 65-75% |
| Interest Rates | Indicative — request a quote | Indicative — request a quote |
| Stock Classes | Cattle, Sheep, Deer | Cattle, Sheep |
| Min Facility Size | From ~$25k (indicative) | From ~$50k (indicative) |
| Approval Speed | 1-3 business days | 2-5 business days |
| Specialist Focus | Livestock only | Rural banking suite |
Figures are indicative market guidance only, not quotes, and are subject to each lender's credit approval and current pricing. Rates change — confirm directly with the lender.
Rates, LVRs & fees
StockCo
Strengths
- ✓ Livestock-specialist expertise
- ✓ Higher LVRs available (up to 80%)
- ✓ Fast approval turnaround
- ✓ Flexible seasonal structures
- ✓ Deer finance available
Considerations
- • Rates may be slightly higher
- • Stock security focus
- • Limited to livestock facilities
Heartland Bank
Strengths
- ✓ Competitive rates
- ✓ Established bank reputation
- ✓ Full suite of rural banking
- ✓ Relationship banking approach
- ✓ May bundle with other facilities
Considerations
- • Higher minimum facility sizes
- • Slower approval (2-5 days)
- • More conservative LVRs
Best-for scenarios
Choose StockCo if you:
- • Need higher leverage (75-80% LVR)
- • Want livestock-specialist expertise
- • Require fast approval (1-3 days)
- • Have seasonal trading operations
- • Finance deer or mixed herds
- • Prefer specialist over bank
Choose Heartland if you:
- • Prioritize competitive rates
- • Want full rural banking suite
- • Have $50k+ facility needs
- • Value established bank relationship
- • Can work with 2-5 day approvals
- • May bundle multiple facilities
Comparison FAQs
Which is cheaper: StockCo or Heartland?
Pricing varies by deal size, stock class, leverage, and security. Get a personalised quote to see exact terms for your situation.
Who is faster to approve?
Turnaround depends on documentation and pipeline. We can help match you to a suitable option based on your region and herd profile.
Do both require property security?
Livestock facilities are often secured by stock, but larger limits may need a GSA, PG, or property security. It depends on the deal.
Can I apply to both and choose later?
Yes, but we typically match you with the most suitable lender first to save time and duplication.
Alternatives & next steps
StockCo and Heartland are two popular options, but they're not the only livestock finance providers in NZ. Depending on your situation, you may also consider:
- • Major Banks: ANZ, Westpac, BNZ, ASB (often via rural managers)
- • Rabobank: Agricultural banking specialist
- • Regional Finance Companies: May offer competitive local options
- • Non-Bank Lenders: Flexible structures for specific situations
We can help you compare all available options and get matched with the best fit for your farm.
Get Personalized Comparison
See StockCo, Heartland, and other options side-by-side based on your farm's needs.
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