We’re here to help hard working Kiwis with a great income but an impossible deposit hurdle, get into their first home faster.
AERA PRODUCTS
High earning savings accounts
Save your first home deposit faster. Earn 5%* with our floating on-call savings rate with no lengthy lock-ups. Earn up to 8%* on longer terms.
MOVE and LIVE IN From 2.5% Deposit
A new way for people to get into their first home. Each monthly payment work towards ownership of your house.
A 20% deposit take years to save. With Aera, get on the runway to home ownership faster.
Our mission
We believe in a future Aotearoa that offers equal 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.
Aera’s mobile app lets you instantly open everyday spending and savings accounts, send people money and pay bills.
Fully digital sign up
Which means you can start saving in minutes towards your first home deposit.
Protection and Security
Built on banking software powering 15 million customers worldwide. Full card control, pin changes and card locking in-app.
peace of mind
Your funds are securely held in trust with major New Zealand registered banks and financial custodians.
With a membership card that works the same as any Visa card, you can spend your cash anywhere Visa is accepted and withdraw from any ATM in the world.
Simple and easy.
community stories
FAQs
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.
The first step is to express your interest for Early Access to Aera membership here. We will be steadily inviting members to onboard in the coming months and join the Deposit Accelerator to build their first home deposit and savings history. When the Ownership Accelerator becomes available later in the year, members who have been actively saving with Aera for at least six months will be eligible to apply.
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.
The Ownership Accelerator will let Kiwis move into their first home with a much smaller deposit. Making monthly payments will both cover rent and build towards ownership of the house itself at a price you know in advance. If that market has risen above this price, your equity ownership accelerates much faster.
It’s designed for Kiwis who have great incomes and could service a reasonable mortgage, but are struggling to reach their deposit goals. We will be starting in Auckland with homes valued between $600,000-$1m and feel the immediate benefits of living in a home you’re on track to buy.
First up, new members will need to open a Deposit Accelerator account to start earning high interest and building towards a deposit starter and a savings track record with Aera. From there, the steps will be:
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