We are a financial services platform going beyond banking to help ‘locked out’ Kiwis grow their deposits faster and get into their own home sooner. We are not a registered bank, but a bank-alternative exclusive to future first home buyers. 

Aera’s Deposit Accelerator™ aims to provide the most competitive returns of any savings account in New Zealand, as well as an everyday app for bill payments, transactions and a member's Visa card.

Deposit Accelerator members will be able to apply to the Ownership Accelerator™, a breakthrough home ownership product that lets you live in a home you will eventually own, expected to be available later in the year.

We are backed by private investment firms Still and Icehouse Ventures and charitable trusts Whakatupu Aotearoa Foundation and Aera Foundation. Our services and technology are built on top of a range of multi-billion dollar private wealth, fund management and major New Zealand financial institutions.

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Why are we doing this?

A home is so much more than a house. It’s family, it’s stability, it’s community, it’s financial security. 

We believe there’s something wrong with a financial and housing system where Kiwis earning great incomes, doing all the ‘right’ things, still can’t find a way to get into their first home.

As New Zealand continues to create a system that is stacked against first home buyers, we risk even fewer families having a shot at securing their first home - especially those without access to the bank of mum and dad.

Aera is on a mission to create a country of “haves”. We are here to help first home savers reclaim precious time, by accelerating their timeline to ownership. We’re going beyond banking, and building Aera to leverage the system itself to change it.