Aim for a new home instead of a used home and you only need a 10% deposit.

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Think new homes, not used homes.

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Buying a new house instantly halves what you need to save for a first home deposit, as it only requires a 10% deposit. A used home requires 20%. That’s huge!

Remind yourself, a first home is your today home, not your forever home.

It’s to get your foot in the front door of the housing market. A new home is achievable, and can lead to your second home as you grow.

At Aera, we work directly with the best developers building brand new homes, getting you in on the ground floor.

Also, getting a brand new home through us unlocks the maximum $10,000 in Aera Credits to add to your deposit.

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Earn more interest to build your deposit faster.

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To build your savings faster, open an Aera Deposit Accelerator™ account with high interest rates.
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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 this high rate. They take a cut and give you the rest.

At Aera, you get more of your share, giving you higher returns on your savings. Banks make money off your savings. We want you to make money off your savings.

Earn $500 in Aera Credits in 5 minutes.

Download

Get the Aera app to unlock your first $500 now.

“Aera have been amazing at helping me to save for a home. Easy to use app and great interest rates definitely help!”

– rhys
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Important Disclosure

All financial decisions involve risk. Any returns referenced are not guaranteed. You should consider seeking independent legal, financial, taxation or other advice when considering whether a decision is appropriate for your objectives, financial situation or needs.

Aera is not a registered bank.

Aera is an initiative of the Aera Foundation, a charitable trust backing creative responses to social and environmental challenges. Aera Foundation is registered as CC50290 with the New Zealand Charities Commission.

The Aera financial services platform is provided by Aera 22 Opco Limited, and is registered on the Financial Services Providers Register (FSPR.govt.nz).
FSP#1003388 and FSP#1003389

Aera's custodial financial service is not licensed by a New Zealand regulator. Aera's registration on the New Zealand register of financial service providers and membership of the Financial Services Complants Limited dispute resolution scheme does not constitute active regulation or oversight by a New Zealand regulator.
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