Aera’s Deposit Accelerator is designed to help you shorten your deposit timeline. Earn high returns while building a strong savings history with Aera.
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.
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’s Deposit Accelerator is designed tohelp you shorten your deposit timeline.Earn high returns while building a strong savings history with Aera.
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.
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.
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.
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.
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.
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.
Our mission
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.
Kiwis can save their first home deposit much faster.
Kiwis can buy a first home with a much smaller deposit.
Any Kiwi can feel secure in their financial future.
community stories
FAQs
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 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.
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.
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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