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Start your home ownership timeline

To get started we need to ask a few quick questions. These will cover topics like your income status, current savings, and the desired location for your first home.

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Important Disclosure

All financial assets involve risk. Returns are not guaranteed. Aera does not provide advice or recommendations. You should consider seeking independent legal, financial, taxation or other advise when considering whether a financial asset is appropriate for your objectives, financial situation or needs.

Aera is not a registered bank.
We are a financial services platform.
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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Credit Achievement Unlocks

Sign-Up Credit unlock: you unlock a credit amount equal to the amount of your first deposit, up to $500.

Direct Deposit unlock: Automatic payment must be at least monthly in three consecutive months.

6 Months Milestone unlock: 6 month credit requires 6x monthly deposits of an average at least $1000 a month.

OVERNIGHT

5.35%
Overnight notice

The Overnight Deposit Accelerator is perfect for when you need fast access to your funds. With a 1 day notice period, your funds are never out of reach.

  • Production Description: Aera’s Overnight is a mix of cash held at a registered New Zealand bank, and managed funds managed by third party fund managers:
    - Cash held in a New Zealand Bank (10%)
    - Units in the Kernel Cash Plus Fund (45%)
    - Units in the Nikko AM NZ Cash Fund (45%)
  • Targeted Daily Rate (annualised): 5.35%
  • Notice Period: 1 day
  • Minimum Transaction Amount (payment in or out): $1
  • Maximum Wallet Amount: $75,000
  • RWT Withheld: Yes
View MORE
VIEW GENERAL TERMS

THREE

5.65%
3 day notice

Three is great for when you’re ready to commit funds for slightly longer and roll them over. With a 3 day notice period, your funds can be stowed away earning a higher return but still close at hand. The underlying assets in the Aera Three accelerator are a mix of managed funds that we hold on your behalf.

  • Product Description:
    ‍    Aera Three is a portfolio of New Zealand managed funds. It holds the following assets on your behalf ("Underlying Assets"):
    - Units in a Kernel Cash Plus Fund (50%)
    - Units in a Nikko AM NZ Cash Fund (50%)‍
  • Targeted Daily Rate (annualised): 5.65%
  • Notice Period: 3 days
  • Minimum Transaction Amount (payment in or out): $100
  • Maximum Wallet Amount: $250,000
  • RWT Withheld: Yes
View MORE
View General Terms

NINETY

7.15%
90 day notice

Ninety is great for when you’re ready to commit funds for slightly longer and roll them over. With a 90 days notice period, your funds can be stowed away earning a higher return but still close at hand. The underlying assets in a Ninety account are a mix of cash and corporate bonds.

  • Product Description: Aera Ninety is a portfolio of mainly New Zealand listed corporate bonds. It holds the following assets on your behalf ("Underlying Assets"):
    - Infratil Limited IFTHC, a NZX-listed bond with maturity date 15/12/29 (90%)
    - Cash held in a New Zealand Registered Bank (10%)
    ‍
    At the maturity of a bond, the payment of the face value by the issuer will result in these funds being held as cash in a New Zealand Registered Bank.
  • Targeted Daily Rate (annualised): 7.15%
  • Notice Period: 90 days
  • Minimum Transaction Amount (payment in or out): $100
  • Maximum Wallet Amount: $25,000
View MORE
View GENERAL TERMS

The fastest way to your first home

From saving to buying to everything in between.

We get you into your first home in  half  the time, with  half  the deposit, and a  $10k  head-start

Join Team Aera to access:

  • $10k in Aera Credits to turn into cash towards your deposit
  • A first home coaching team on your side to get your keys twice as fast
  • The best insurance and mortgage for you
  • Your own personal sidekick to find you a brand new first home
  • High yield savings rates faster than any bank
Learn more
Get started

Aera Deposit Credits™

START UNLOCKING CREDITS NOW

Unlock up to $10,000 in credits in your account by improving your savings behaviour and reaching key milestones towards your first home.

When you use Aera services to help you with insurance, lending or purchasing a new home, eligible credits become available to go towards your first home deposit. How do we do this? By sharing future commission and fees with our members, we can get Kiwis just like you into first homes faster.

SIGN UP

Credit Unlock 🔒
  • Unlock matching credits on your first deposit up to a maximum of $500 🔑
Credits
$500

DIRECT DEPOSIT

Credit Unlock 🔒
  • Unlocked when you set up a recurring automatic payment of $1,000 or more for 3 months 🔑
Credits
$200

6 MONTHS MILESTONE

Credit Unlock 🔒
  • Unlocked when you’ve made 6 monthly deposits in a row of $1,000 or more 🔑
Credits
$200

SIGN UP

Credit Unlock 🔒
  • Unlock matching credits on your first deposit up to a maximum of $500 🔑
Credits
$500
Find out more

*Deposit Credit Terms

Deposit Credits are currently in a beta phase and are applied monthly based on behaviour. You may see your current unlocked balance within the Aera app
‍
“Locked” credit balances start at $10,000 and are “unlocked” along your savings journey when you complete eligible milestones; achieve engagement or savings behaviour goals as deemed by Aera from time to time; and/or when you use specified Aera services

Any unlocked credit balance can only be used towards your first home deposit and has no other value. 

Credits can only be redeemed as cash to put towards a first home deposit at the point of purchase and only when you use Aera’s services to complete that first home purchase. Examples of such services include Aera facilitating the best mortgage, insurances or purchase of a brand new home for you. The more of Aera’s services you use, the higher the amount of credits you may be eligible to redeem for your deposit, up to $10,000.

Click here for the full set of Deposit Credit Terms.
‍
‍

start saving now

Aera’s Accelerator™ Accounts 

Choose from a selection of Accelerator mixes to grow your deposit. Available to Aera members who are saving for their first home. Rates shown are targeted rates and may change.

NINETY

7.15%
What's inside:
  • Rolling 90 day notice period
  • $100 minimum transaction
  • Cash in a registered bank and corporate bonds mix
Learn more

OVERNIGHT

5.35%
What's inside:
  • Overnight access
  • $1 minimum transaction
  • Cash and cash management account mix
Learn more

THREE

5.65%
What's inside:
  • 3 day notice period
  • $100 minimum transaction, For larger balances
  • Cash in NZ managed funds mix
Learn more

Accelerator Account Disclaimer

Please click here to review the full Accelerator Account disclaimer. Click on "Learn more" on the individual Accelerator above for specific information on its underlying assets and how it works.

SIGN UP

Credit Unlock 🔒
  • Unlock matching credits on your first deposit up to a maximum of $500 🔑
Credits
$500

DIRECT DEPOSIT

Credit Unlock 🔒
  • Unlocked when you set up a recurring automatic payment of $1,000 or more for 3 months 🔑
Credits
$200

6 MONTHS MILESTONE

Credit Unlock 🔒
  • Unlocked when you’ve made 6 monthly deposits in a row of $1,000 or more 🔑
Credits
$200

SIGN UP

Credit Unlock 🔒
  • Unlock matching credits on your first deposit up to a maximum of $500 🔑
Credits
$500

CREDITS AVAILABLE

Up to $10k
How does it work?
More
Credit Unlock 🔒
More

DIRECT DEPOSIT

$200
Credit Unlock 🔒
More

6 MONTHS MILESTONE

$200
Credit Unlock 🔒
More

JOURNEY CREDITS

$1-500
Credit Unlocks (Coming Soon) 🔒

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The faster way to your first home

Aera is the revolutionary savings platform designed to massively reduce the time it takes you to get into your first home.

Fast track to first home financing
High-performing
savings products
Earn credits toward
your deposit
Sign Up

Aera Membership is free and gives you access to incredible first home tools and turbo boosted savings accounts.

Members get:
+

A $10,000 'head-start' credit which you can begin to unlock in your Aera account from day one.
+

Targeted savings returns that are flexible and built with you in mind. 
+

Access to tier-one lenders and new home builders, meaning you can buy a brand new home with a 10% deposit.
Learn more
How it works

We were a little skeptical so we tested with a small amount. Within a week, we could see it growing day by day and Aera had earned our trust.

Vivek & Natasha
The aera Member's app

Looking after your funds is our number one priority.

Instantly open everyday spending accounts, save with our Accelerators™, unlock Deposit Credits, send people money and pay bills.

digital sign up

Start saving in minutes for your first home deposit.

Protection and Security

Built on banking software for 15M global customers. Control your card, change your PIN, and lock your card in-app.

peace of mind

Your funds are held securely in trust with large, reputable New Zealand registered banks and financial custodians.

Still a year away from having your first home deposit?  You might not be...

Our members are often surprised to learn that they’ve already saved enough to afford their first home.

Because we work in a very different way to everybody else, we can optimise the savings you already have to get you into your first home faster, or even straight away.
Learn more
Sign Up

start saving now

Aera’s Accelerator™ Accounts 

Choose from a selection of Accelerator mixes to grow your deposit. Available to Aera members who are saving for their first home. Rates shown are targeted rates and may change.

NINETY

7.15%
What’s inside:
  • Rolling 90 day notice period
  • $100 minimum transaction
  • Cash in a registered bank and corporate bonds mix
Learn more

OVERNIGHT

5.35%
What’s inside:
  • Overnight access
  • $1 minimum transaction
  • Cash and cash management account mix
Learn more

THREE

5.65%
What’s inside:
  • 3 day notice period
  • $100 minimum transaction,
    For larger balances
  • Cash in NZ managed funds mix
Learn more

Accelerator Account Disclaimer

Please click here to review the full Accelerator Account disclaimer. Click on "Learn more" on the individual Accelerator above for specific information on its underlying assets and how it works.

Aera Deposit Credits™

START UNLOCKING CREDITS NOW

Unlock up to $10,000 in credits in your account by improving your savings behaviour and reaching key milestones towards your first home.

When you use Aera services to help you with insurance, lending or purchasing a new home, eligible credits become available to go towards your first home deposit. How do we do this? By sharing future commission and fees with our members, we can get Kiwis just like you into first homes faster.

CREDITS AVAILABLE

Up to $10k
How does it work?
  • Open an account loaded on day 1 with $10k in credits waiting to be unlocked
  • Unlock credits as you achieve savings milestones and goals along the way 
  • Use Aera’s services to buy your first home to redeem the credits towards your deposit
More

Sign up

$500
Credit Unlock 🔒
  • Unlock matching credits on your first deposit up to a maximum of $500 🔑
More

Direct Deposit

$200
Credit Unlock 🔒
  • Unlocked when you set up a recurring automatic payment of $1,000 or more for 3 months 🔑
More

6 MONTHS MILESTONE

$200
Credit Unlock 🔒
  • Unlocked when you’ve made 6 monthly deposits in a row of $1,000 or more 🔑
More

JOURNEY CREDITS

$1-500
Credit Unlocks (Coming Soon) 🔒
  • Unlocked when you complete the Wellbeing Quiz and book a review call 🔑
  • Unlocked when you complete your Personal Profile 🔑
  • Unlocked when you complete your House Goal Quiz 🔑

*Deposit Credit Terms

Deposit Credits are currently in a beta phase and are applied monthly based on behaviour. You may see your current unlocked balance within the Aera app
‍
“Locked” credit balances start at $10,000 and are “unlocked” along your savings journey when you complete eligible milestones; achieve engagement or savings behaviour goals as deemed by Aera from time to time; and/or when you use specified Aera services

Any unlocked credit balance can only be used towards your first home deposit and has no other value. 

Credits can only be redeemed as cash to put towards a first home deposit at the point of purchase and only when you use Aera’s services to complete that first home purchase. Examples of such services include Aera facilitating the best mortgage, insurances or purchase of a brand new home for you. The more of Aera’s services you use, the higher the amount of credits you may be eligible to redeem for your deposit, up to $10,000.

Click here for the full set of Deposit Credit Terms.
‍
‍

TIME TO DEPOSIT

Take years off your home deposit timeline.

Today, the median Auckland home requires a deposit of around $200,000*, which can take more than 10 years for the average Aucklander to save.

As you save for that deposit, prices continue to increase, taking longer to reach your target. First home buyers without a leg-up from the ‘bank of mum and dad’ have the toughest challenge.