Request Early Access

The bank alternative for first homes

Great income

Stable job

Good education

Can’t get a home

Grow your first home deposit faster with higher interest on your savings. We then invest alongside you, to get you into your home with as little as a 2.5% deposit.

Aera is not a bank. We’re 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 tohelp you shorten your deposit timeline. Earn high returns while building a strong savings history with Aera.

02

We top you up to 20%

When you've saved up 2.5% or more, we invest alongside you to get to 20%. We'll assist you to secure a mortgage. We help you find a house, you get to make it a home.

03

You stop renting, and start owning

No more renting, your money goes towards paying down your mortgage. We share a portion of the capital gains as you buy back our share over time.

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

We top you up to 20%

When you've saved up 2.5% or more, we invest alongside you to get to 20%. We'll assist you to secure a mortgage. We help you find a house, you get to make it a home.

03

You stop renting, and start owning

No more renting, your money goes towards paying down your mortgage. We share a portion of the capital gains as you buy back our share over time.

01

We help you get deposit ready...

Aera’s Deposit Accelerator is designed tohelp you shorten your deposit timeline.Earn high returns while building a strong savings history with Aera.

02

We top you up to 20%

When you've saved up 2.5% or more, we invest alongside you to get to 20%. We'll assist you to secure a mortgage. We help you find a house, you get to make it a home.

03

You stop renting, and start owning.

No more renting, your money goes towards paying down your mortgage. We share a portion of the capital gains as you buy back our share over time.

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.

Our Accelerators TM
are designed to help you save for your first home faster and buy one with a much smaller deposit.

DEPOSIT ACCELERATOR

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, all managed through Aera’s member’s app.

* Deposit Accelerator and Comparison Disclosures
Ownership Accelerator

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.

The aera Member's app

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. Membership grants eligibility for the Ownership Accelerator upon availability.

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.

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

Spend anywhere, save everywhere.

Our membership card works the same as any Visa card, you can spend your cash anywhere. Visa is accepted and withdraw from any ATM in the world.

24/7 access to your money
visa zero fraud
paywave ready
apple & google pay
Coming

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.

our vision

1

Kiwis can save their first home deposit much faster.

2

Kiwis can buy a first home with a much smaller deposit.

3

Any Kiwi can feel secure in their financial future.

community stories

We are here for ordinary people who aren’t currently being served by the banks.

FAQs

Got questions? We have answers.

Is Aera a bank?

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.

How can I trust Aera?

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.

How can I join Aera?

Right now we are accepting registrations for Early Access. You can express your interest here and we will be in touch soon. We will be inviting members who have strong incomes and are already actively saving, to join and build their first home deposit using the Deposit Accelerator.

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 view your account details, transaction history and where you can send and receive money, pay bills and manage your Aera Visa membership card.

How can I get higher returns with Aera?

New Zealanders with over $1m to invest get far better rates and access than everyday Kiwis. Aera unlocks this privileged access to first home savers. Through our savings products, Aera lets members add funds into assets that they usually wouldn’t easily be able to, and these can provide potentially higher returns than leaving their money in a standard bank savings account (Aera is not a registered bank).

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Register to be the first to learn more and be invited for Aera membership.

© 2023 Aera 22 Opco Limited.