Half The Deposit, Brand New Home: How New Builds Get You In Faster
Ready to crack the housing market? Here’s a mindset shift that could change everything: your first home doesn’t need to be your forever home. We call it your "today home" – it’s the first step on the property ladder, getting you in the market, building equity, and growing into bigger homes as your life changes.
While used homes demand a 20% deposit (ouch), brand new homes only need 10%. That’s right – half the deposit. Think about it: why buy used when you can get brand new for a fraction of the cost?
The Numbers Game
Let’s talk real money. Picture a $600,000 brand new home in a growing Auckland suburb. For a used home, you’d need to save a massive $120,000 for the deposit. But with a brand new home? You’re looking at just $60,000. That's $60,000 you get to keep—ready for furniture, landscaping, or just a little more peace of mind.
At Aera, we work directly with top-tier new builds to get you in on the ground floor—literally! When you choose brand new over used, you’re making a financially smart move on every front.
The Aera Advantage
Your brand new home comes with a bonus: up to $10,000 in Aera Credits, straight to your deposit. No gimmicks, no fine print—just the benefit of choosing new. And, with your KiwiSaver first home withdrawal, we’re talking real momentum.
And speaking of new—your brand new kitchen, appliances, and everything else will come with modern energy efficiency built right in. Lower bills from day one? Yes, please!
When it comes to your first home, do you really want to deal with old problems like mystery stains and an unknown history? Or would you prefer brand new, with warranties and guaranteed appliances? The decision is clear. Minimise headaches, maximise ease.
Here’s what you get when you go brand new:
Your first home is your today home. It’s not about perfection; it’s about getting your foot in the door and securing your place in the market. Brand new homes make this easier and faster.
Starting your journey is simple:
Your today home doesn’t need to be in Ponsonby or Fendalton (and really, it shouldn’t be—it’s your first home!). Brand new developments are popping up in fantastic areas all over NZ. These growing suburbs often offer better value and stronger growth potential than established areas with older homes.
Growth Potential
Brand new homes in up-and-coming areas? That's a double win. You're getting:
When you choose a brand new home, you're not just getting a place to live - you're getting a launchpad for your future. Think about it: while others are fixing up used homes, you'll be enjoying that new home feeling and building equity from day one and using that extra cash you’d be spending at Bunnings each weekend, paying down your mortgage instead. Both smarter, and faster.
The Buy and Build Journey
Building brand new might sound complex, but we've turned it into a straightforward path to your today home. With fixed-price contracts, your costs are locked in - no surprises, no stress, just progress. You don’t have to compete with any investors trying to buy that new build, or tenders, auctions or the heartache of losing out.
Your Protection Package
Worried about those building horror stories your mate's uncle keeps sharing at BBQs? Those are usually about used homes or DIY gone wrong. Your brand new home comes wrapped in guarantees and protections that used homes can only dream about.
Your today home is exactly that - perfect for today. It's your stepping stone to bigger things. While others are spending weekends fixing up used homes, you'll be enjoying your brand new space and watching your investment grow.
Understanding Capital Growth
Brand new homes in developing areas often see stronger value growth than used homes in established suburbs. Why? It's simple economics. As the area develops, more amenities pop up, and demand increases. Your smart move today could mean serious gains tomorrow.
Take Auckland's recent growth areas like Hobsonville Point or Millwater. Early buyers who chose brand new homes there saw their investments grow faster than Auckland's average. The same pattern is playing out in places like Rolleston in Canterbury and Papamoa in Tauranga.
The Development Effect
When you buy brand new in a growing area, you're not just buying a home - you're buying into an evolving community. New schools, shopping centres, and transport links don't just make life easier - they boost your property's appeal. It's like getting in on the ground floor of the next big thing.
Here's what smart buyers look for:
Future-Proofing Your Investment
Brand new homes are built for tomorrow's standards, not yesterday's. Think about these long-term benefits:
Plus, as environmental standards get stricter, older homes often need expensive upgrades to meet new requirements. Your brand new home is already ahead of the game.
This forward-thinking approach isn't just about property value - it's about making your today home work harder for your tomorrow goals. Whether you're planning to stay put, rent it out later, or use it as a stepping stone to your next home, choosing brand new gives you more options.
Isn't it cheaper to buy used?
Not when you factor in the smaller deposit, Aera Credits, and zero maintenance costs of brand new. Plus, no surprises behind the walls and far fewer trips to Bunnings sucking your cash every weekend.
What about the wait time to build?
Good things take time, but your wait comes with a reward: a brand new home that's never been lived in, plus time to save more while it's being built but many of them are move-in ready. You can buy as they start to build, or walk straight into one - another benefit, as you get to choose the timeline that suits you.
Can I really get in with just 10%?
Absolutely! That's the beauty of brand new. Your today home is more achievable than you think.
Ready to skip the used home hassles and get into your brand new today home? Here's your game plan:
Next Steps
Why settle for used when you can get brand new for less deposit? The key to your today home is right here. Let's make it happen - book a chat with our team or jump into our first home calculator.
About Aera: We're shaking up the first home game in NZ. By focusing on brand new homes, we're helping Kiwis skip the used home trap and get into their today homes faster. We work directly with NZ's top builders because new is always better than used.
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