Your Aera team splits their commission with you to put towards your first home. That’s team work.
$10k towards your deposit.
This could be ⅕ of your first home deposit. How awesome is that?
Working with Aera is a partnership, one that benefits you in a number of ways. One of the key benefits is reducing the amount you need to save for a deposit. We can contribute up to $10,000 towards your first home deposit.
And depending on what size deposit you need, that’s a fair chuck off it taken care of. It’s all thanks to our unique membership benefit, Aera Credits.
Unlock Aera Credits to help build your deposit.
How do we give you up to $10,000 in Aera Credits?
Think of us as your savings partner, real estate agent, mortgage broker all in one.
Everything stays in-house, so we can get you to your first house.
Then when you’re ready to buy, we split these commissions with you which you can redeem up to $10,000 into cash for your deposit.
That’s getting you your first home faster.
Tell me more. Credits are money?
Well yes they can turn into real world money.
Let’s dive into how you can earn Aera Credits.
• Just by becoming a member, that earns you $100.
• Downloading the Aera App, another $100.
• Opening an Aera Account, $100.
• Completing a form, $100.
That’s $500 in less than ten minutes.
The more milestones you hit with Aera during your first home journey, the more credits you unlock. Think of them as ongoing rewards for doing what you want to do: get a first home. They can add up to $10,000 towards your first home.
- Membership application
- Download Aera app
- Created app account
- Verify your identity
- Linked first bank account
- Make first deposit
- Second deposit
- First $500 deposit
- Reaching $10k balance
- Booked first Coach call
- Booked “Bank Fit” advisor call
- Complete a Learning Block
- Create your personal Game Plan
- Sign your Game Plan
- Start your Fact Find
- Complete Fact Find
- Build your first home profile
- Discovery call with your First Home Finder
- Go on home tour!
- Sign a Purchase Agreement
The more you use Aera, the more credits you can redeem into cash.
- Instantly open a Member account and save with our Accelerators™, unlock and track your Deposit Credits.
- Credits are applied monthly based on behaviour
- Check your current balance within the Aera app and via the chat function
Turn credits into home deposit cash when you use Aera’s services to secure your mortgage, insurance and buy a brand new home.
Unlock credits in your account by reaching key milestones towards your first home and you can redeem them when you buy a home.
We split our commission from your mortgage with you and up to $8,500 if you purchase a new home with Aera’s help. You can redeem up to $10,000 in credits in total!
Earn more interest to build your deposit faster.
To build your savings faster, open an Aera Deposit Accelerator account with high interest rates.
How can we offer such great interest rates?
We help you take your savings and lend it directly to major Kiwi companies like the owners of Mercury Energy, Z Energy, One New Zealand.
These companies pay high interest rates to borrow money to use as capital.
Banks typically lend them your money to earn a great rate. They take a big cut and give you the rest.
At Aera, you get more of it, giving you higher returns on your savings with us.
Banks make money off your savings. We want you to make money off your savings.
Become a member today.
Frequently asked questions
Aera Credits™ are a way for us to give you a first-home-faster boost to your deposit! They keep you on track and motivate you throughout your entire savings and home buying journey.
Credits can be redeemed for up to $10,000 towards your deposit, but only when you use Aera services to help you get into your home. They can cut years off your first home timeline.
You can unlock credits throughout your home buying journey by doing things such as saving regularly, completing quests and hitting milestones.
You can only redeem them when you use Aera for services like securing your mortgage, insurance and finding that first home - they then turn into cash towards your first home deposit.
You can only redeem credits when you ultimately use Aera’s services to complete your first home purchase. For example, Aera facilitating the best mortgage, insurances or purchase of a brand new home for you. The more of Aera’s services you use, the more credits you may be eligible to redeem.
You “unlock” credits along your savings journey, and whatever credit balance you have unlocked and are eligible to redeem can only be used towards your first home deposit. Credits have no other value.
How do we give you up to $10,000 in Aera Credits?There are a lot more hidden commissions than you think in that first home transaction. To be pretty blunt, when we found out just how much it was we thought it was wrong. And given how challenging it is to get into that first home, more of it should go to Kiwis like you to help you get into your first home years sooner.
We are on the same team as you and we’re in your corner - so when you join Team Aera and you’re ready to buy, we split all these commissions with you.
Within the Aera app you need to set up your Credits dashboard. You can then see all the Credits you’ve unlocked and all the other ways you can keep unlocking them.
We are regularly syncing this balance based on your activity. Note there may be a short delay between performing an action (such as depositing your first $500) and your unlock. But normally, this won't take more than an hour, max.
Please reach out to us in your in-app Help Centre if you have any questions.
Deposit Credits do not expire as long as you are an active saver and member of Aera, steadily working towards your first home goal. Any unlocked credits have no value other than contributing to your first home deposit at the point of purchase so long as you have utilised the relevant Aera services and all terms and conditions are met.
They may be deemed inactive if you stop saving with us for a period of three months, however may be reactivated again just by starting your savings again and hitting milestones again. We do reserve the right to change the terms and conditions at any time but will always let you know first!
You’ll be able to see the Aera Credits you build up in the dashboard in your Aera app. Then when you buy your house using the range of services Aera offers can you then use this as part of your deposit, with Credits viewable throughout your journey. If you join as an Aera member, use the app to grow some of your savings, arrange your mortgage and find you a house - you should be on track to unlock the full $10k.
At present, the $10,000 can only be used on a deposit, and we pay this directly to your solicitor on your behalf just before settlement. The reason for this is we get a commission for making the sale and we split this commission with you. But we often have promotions with our developer partners who might throw in some vouchers to spend on couches and a brand new TV - bonus!
You can only access the Aera Credits of $10,000 once the house you are buying goes ‘unconditional’ - meaning, you’re committed to buying it. We then pay this directly to the seller’s lawyer on your behalf on at settlement date. To get better savings, you can use an Aera Accelerator account that offers supercharged interest rates.
No. You can use whoever you like, but we’ve created these accounts specially for first home savers to get ahead. And saving at least some of your deposit with Aera helps you build your Credit balance faster.
“Been with Aera for almost a year and can prove that I am earning higher interest than traditional banks, their support is responsive too and a real person that cares about your needs”
