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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:

  • Get a $10k head-start
  • Get a coach and get a game plan
  • Get mortgage fit and bank ready
  • Save faster with higher interest
  • Get a personal first home finder

Get a $10,000 head start

When you kick-off your first home journey with Aera, you’ll start with a $10,000 Credit balance in your account. Credits get unlocked as we fast-track you toward your first home.

When you use Aera services to help you save, finance, buy and insure your first home, those credits become available to put towards your deposit.

That's getting a first home faster.

Aera is a bank-alternative dedicated to first home buyers.

We are not a registered bank, but a financial services platform helping Kiwis with a great income but an impossible deposit hurdle, get into their first home faster.

Your terms
Flexible withdrawals
Your security
Funds protected in trust
Your return
Compounding Daily interest

Buy a whole house with half a deposit.

When someone buys their first home, everybody puts their hands in the money jar. Banks, insurers,kiwisaver providers, brokers and real estate agents all make cash through the feesand commissions they charge.

You don’t ‘see’ these fees. But they can add up to tens of thousands of dollars.

At Aera, we're bringing all of those services together in one place and splitting those fees with you to go to your deposit. Which gets you into a first home faster.

It's also why Aera members get access to your own Personal First Home Finder to find you a brand new home that needs only half the deposit than a used home.

Half the deposit, half the time.

That's the goal. First homes faster.
Saving Accelerator disclosures

*The chart depicts a comparison between Aera's 'Ninety' Deposit Accelerator target rate and a 'Big Four Bank' rate of a 3-month term deposit - as of 28/02/2024

**Interest rates posted are variable and may change at any time. The disclosed rate is effective as of February 28, 2024. A minimum balance may be required. Please refer to the Aera Service Disclaimer.
Coming soon to Auckland

Ownership Accelerator TM

MOVE in with a 2.5% Deposit

Designed to get first home buyers into their first home faster. We invest alongside you, so you can accelerate your days-to-deposit, and move in faster

FAQs

Got questions? We have answers.

What is Aera?

Aera is not a registered bank. We are a financial services company that exists to help members get into their own homes, faster.

For our savings products we use similar tools as wealth management firms but we’re on a mission to pass on as much of the returns as possible to you. 

We handhold your journey into your first home from start to finish, facilitating the insurance, mortgage and real estate transactions. We support you along the way and share commissions with you from Aera services that you choose to use, which you can unlock and put towards your deposit.

How can I join Aera?

Right now we are helping thousands of kiwis with their home ownership journey. All future first home buyers are welcome, register here and then download the app to start.

What is the Aera members app?

Our member-only mobile app is home to the Aera Deposit Accelerator high interest savings offerings to help you build your first home deposit faster. It’s also where you can interact with our digital and human guides who are there to help you on the journey. 

You can view your Deposit Credit balances, account details, transaction history, send and receive money, pay bills and manage your Aera Visa membership card.

Coming soon, it will also be a place where you can set goals, manage your progress and learn a lot more about all the things you need to know and be prepared for as you work towards your first home.

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