The straightforward answer about the Heritage Bank Broker Portal is that its role has fundamentally changed: Heritage stopped accepting new broker loan applications from 1 September 2025 and no longer issues new broker accreditations.
The background explains why. Heritage Bank merged with People’s Choice Credit Union in March 2023, and the combined organisation now operates as People First Bank, whose own broker portal handles new business with applications processed electronically through Simpology’s platform. The remaining Heritage broker site has a narrower but live job: supporting existing lending through top-ups, pipeline applications, settlement and post-settlement servicing.
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What the remaining Heritage site still does
The reduced broker site remains worth bookmarking if you hold legacy files. It publishes service levels, current forms, a servicing calculator and ApplyOnline guides, and it confirms that existing customers with current Heritage lending may still apply for top-ups through their broker while pipeline work receives full support through to settlement.
Treat the legacy book as a defined project. Brokers who manage client portfolios at scale should tag every Heritage loan now so refinancing conversations happen on your schedule rather than as a scramble when something changes.
Keep your housekeeping tight during any lender transition too: consistent data protection habits matter more than usual while documents move between systems and staff adjust to new processes.
Where new business goes instead
New-business brokers belong with People First Bank, which provides the current secure portal and states that Simpology processes applications electronically. Because Heritage accreditations are no longer issued, plan fresh accreditation with the merged group if you want to keep writing their products; expect that to reshape parts of your standard application process, starting with where you register and lodge.
Claims about the old portal you should drop
Older articles credit the Heritage portal with mobile-friendly design, specific encryption standards, role-based permissions, client portfolio management, CRM records, broker-performance reporting, discussion forums, webinars and market analytics. Current public sources establish none of those functions, and with the portal winding down they matter less anyway: your own reporting tools will tell you more about your book than any lender dashboard ever did.
Keeping clients steady through the change
Transitions reward clear communication. Tell affected clients directly what has changed, confirm their repayments and structures continue unaffected, and use the moment to review whether their loan still fits. Handled well, disruption becomes another chance to build trust.
Existing borrowers will also ask practical questions: whether their interest rate still competes and what happens at renewal. Answer from the current product information on the Heritage site, and record what you quoted so the whole brokerage gives one story.
This week’s next steps
Audit your book for Heritage loans today and flag each one for a review conversation. If you intend to write new business with the merged group, start your People First Bank accreditation now, because processing there runs on Simpology and your first lodgement will go smoother after a proper setup rather than mid-deal improvisation.
