Aim for a new home instead of a used home and you only need a 10% deposit.

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Think new homes, not used homes.

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Buying a new house instantly halves what you need to save for a first home deposit, as it only requires a 10% deposit. A used home requires 20%. That’s huge!

Remind yourself, a first home is your today home, not your forever home.

It’s to get your foot in the front door of the housing market. A new home is achievable, and can lead to your second home as you grow. It's the fastest way to get to that first home. Need more convincing why getting their faster matters?

At Aera, we work directly with the best developers building brand new homes, getting you in on the ground floor.

Also, getting a brand new home through us unlocks the maximum $10,000 in Aera Credits to add to your deposit.

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Female racer with a racing car, symbolising speed and achievement in first home buying.

Earn more interest to build your deposit faster.

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To build your savings faster, connect with Aera to open a high return Deposit Accelerator account.

How can we offer such great interest rates?

We connect you to the best first home saver savings products.

Banks make money off your savings. We want you to make money off your savings.

Become a member today.

Earn $500 in Aera Credits in 5 minutes.

Download

Get the Aera app to unlock your first $500 now.

Young couple moving into their new home, moving boxes into an empty living room, excited with their first home, all possible through Aera.

“Impressed by the detail in all aspects of assisting with my recent property purchase. He regularly updated me on progress and promptly answered any questions I had.”

– Narelle Silwood

As seen in...

Derek Handley’s Aera offers 6.45 per cent ‘Deposit Accelerator’ rate for first-home buyers.

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Important Disclosure

All financial decisions involve risk. Any returns referenced are not guaranteed. You should consider seeking independent legal, financial, taxation or other advice when considering whether a decision is appropriate for your objectives, financial situation or needs.

Aera is not a registered bank.

Aera is an initiative of the Aera Foundation, a charitable trust backing creative responses to social and environmental challenges. Aera Foundation is registered as CC50290 with the New Zealand Charities Commission.

The Aera financial services platform is provided by Aera 22 Opco Limited, and is registered on the Financial Services Providers Register (FSPR.govt.nz).
FSP#1003388 and FSP#1003389

Aera's custodial financial service is not licensed by a New Zealand regulator. Aera's registration on the New Zealand register of financial service providers and membership of the Financial Services Complants Limited dispute resolution scheme does not constitute active regulation or oversight by a New Zealand regulator.
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