Expert author.

Forbes McHardy


National Manager – Retail & Home Loans.


Auckland, NZ

Forbes McHardy

Forbes is National Manager – Retail & Home Loans at Heartland Bank. The teams he leads support Heartland’s market-leading products by providing customers with exceptional service. Heartland is the largest provider in New Zealand in the areas of Reverse Mortgages and Consumer Vehicle Finance, and also has a rapidly growing presence in the traditional Home Loans space following the launch of its digital-first Home Loan product in March 2020.


Forbes has gained broad experience during his seven years at Heartland Bank, leading teams across several business areas. He has been the product owner of Heartland Bank’s online home loans business since 2020. Under Forbes’ leadership Heartland Bank has grown its home loans business substantially. The online home loans platform facilitates low cost of origination and service, generating savings which are passed on to Heartland Bank’s customers in the form of market-leading or competitive interest rates.

About Heartland Bank

Heartland Bank is committed to providing market-leading financial solutions and speed and simplicity for customers, through its digital platforms. As a 100% New Zealand operated and managed bank, Heartland Bank is New Zealand’s leading provider of reverse mortgages and vehicle finance. Heartland Bank offers specialist banking products for the business, rural and household sectors, including a rapidly growing online Home Loans product.

Heartland Bank has been awarded Canstar’s Bank of Year Savings for six consecutive years (2018-2023) and is the only provider to receive Canstar’s Outstanding Value Award for all three residential mortgage products in its 2023 Residential Home Lender category.

Articles by Forbes

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