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The bank alternative for first homes
Great income
Stable job
Good education
Can’t get a home
Get into your first home faster with higher interest on your savings and up to $10,000 in Deposit Credits.
Aera is a financial services platform helping Kiwis with a great income get over the deposit hurdle and into their first home faster.
01
We help you get deposit ready...
Aera’s Deposit Accelerator is designed to help you shorten your deposit timeline. Earn high returns while building a savings history with Aera.
02
We contribute to your deposit
From the moment you start saving, you get rewarded with Aera Credits™, which are counted towards your first home deposit.
These get unlocked when we help you find, fund or even furnish your home.
03
Stop renting and start owning
No more renting, your money goes towards paying down your mortgage. Our advisors personally help you navigate the first home buying journey and get you those keys sooner.
01
We help you get deposit ready...
Aera’s Deposit Accelerator is designed to help you shorten your deposit timeline. Earn high returns while building a strong savings history with Aera.
02
Earn Deposit Credits
Earn credits in your account that you can use for your deposit. Improve your savings behaviour and reach key milestones to build credit up to $10,000.
03
Stop renting and start owning
Go from renting to owning - if you need more help our Ownership Accelerator may be able to find a way to get there faster.
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. Since then, we have started saving all our money with them. Our home deposit has grown much faster than if we were saving with the bank.
Our Accelerators TM
are designed to help you save for your first home faster and buy one with a much smaller deposit.
High earning savings accounts
Whether you’re starting small or are already on your way, our Deposit Accelerators are designed to fast track the timeline to your first home deposit.
No lengthy lock-ups, earn up to $10,000 in Deposit Credits - all managed through Aera’s members’ app.
Move in now with as little as 5% Deposit
Designed to get first home buyers into their first home faster. Our advisors are here to help cut your Time to Deposit.
Buying your first home comes with it plenty of complexity and roads to navigate. Simplify it and assemble your buying team with Aera.
Start saving today.
Looking after your funds is our number one priority.
Instantly open everyday spending accounts, save with Deposit Accelerators, 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 reputable New Zealand registered banks and financial custodians.
Spend anywhere, save everywhere.
Our membership card works the same as any Visa card. You can spend your cash anywhere Visa is accepted and can withdraw from any ATM in the world.
Our mission
We’re going beyond banking to create a country of “haves”.
We believe in a future Aotearoa that offers financial opportunities to all.
Where the idea that you can get ahead by working hard and saving wisely is
true again.
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FAQs
Got questions? We have answers.
Aera is not a registered bank. We are a financial services company that exists to help members get into their own homes, faster. We use similar tools as banks and wealth management firms, but we’re on a mission to pass on as much of the returns as possible to everyday Kiwis like you.
Aera is a New Zealand registered financial services provider (FSP1003388 and FSP1003389 on the NZ Financial Services Provider Register), built by Kiwis for Kiwis. We are members of the Financial Services Complaints Limited (FSCL# 6905) for disputes as well as being subject to New Zealand regulations.
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.
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 view your account details, transaction history and where you can send and receive money, pay bills and manage your Aera Visa membership card.
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Join us now.
