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ownership Accelerator™

Coming soon

Make yourself at home.

Paint the walls.

Bring the dog.

Meet the neighbours.

Secure your future.

A faster timeline to home ownership starts here. Get started with a 5% deposit.

A new ownership timeline.

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 savings history with Aera.

02

Move in, and make yourself at home

When you've saved up 5% or more, we invest the rest alongside you, getting you to 20%. We'll assist you secure a mortgage and help you find a house. You get to make it a home.

03

Your ownership partner

No more renting, your money goes towards paying down your mortgage. We share a portion of your upside as you pay back your deposit top-up.

Learn more

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 savings history with Aera.

02

We get you topped 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.

How it works

We help you get deposit ready

Let’s get you over your deposit hurdle.

Aera’s Deposit Accelerator is designed to get you into your first home, faster. First time buyers get access to 5% interest on all their money, and 7% on [name of savings product] Accelerator.

Move in, and make yourself at home

Paint, hang up your favourite art, bring the dog.

Your monthly payments build towards your deposit credit in the house, getting you mortgage ready over time.

Buy your home outright

Buy at a locked price.

When your mortgage ready, you buy the house outright. You’ll pay at the pre-agreed priced locked in at the start, knowing the market can’t run away from you.

Ownership calculator

Your rent could be going towards your first home.

Find out if the Ownership Accelerator™ might work for you. Enter your monthly rent and how much you’re saving for a deposit each month to see what kind of property budget you might be eligible for. 

$
$
Calculate my eligibility
$X

Total house worth with Aera

Aera Starting Fee

$X

Traditionally, houses worth this much would require a 20% deposit of:

$X
$X

Total house worth with Aera

Since we're starting in Auckland with houses (not apartments), the house value shown is outside of our target range.

As you continue your savings journey, we'd encourage you to check out Aera Deposit Accelerator, which offers higher rates than traditional banks on savings accounts.

OUR MISSION

Days to deposit: 3,798.

A home is more than a house. It’s family, it’s memories, it’s community, it’s financial security. Standing in the way of that is an ever growing average of what we call ‘days to deposit'. Today that number is 3,798. And for many a 20% deposit is unattainable, even for those earning a good income.

The longer this continues, the fewer families will have a shot at getting their first home. Aotearoa will become more divided into those who can and those who can’t.

Aera is on a mission to help first home savers reclaim precious time by accelerating their timeline to ownership.  We’re going beyond banking to create a country of “haves”.

1990
2023
1,533
days
3,798
days

Using Aera has been easy, fun and rewarding. I love that it is so easy and transfer money in and out of, and the interest rates are the best around. I love the driving force behind Aera, and that it is also endeavoring to solve some real Kiwi problems. Couldn't recommend it more.

Rohan A Adarkar

FAQs

Got questions? We have answers.

Are you investing in the home alongside me?

In a way yes, but we will not be on the title. Our investment will be secured by a caveat or similar legal protection on the property. 

Do I have to pay interest on the portion Aera invests?

No. Interest rates are already high enough and a significant burden. Aera makes its return on the long term capital appreciation of the house price. 

Who will fund the 80% mortgage?

Aera has partnered with a selection of major lenders who want to help us get you into your first home. 

What other fees are there?

There is a sign-up fee of 1% of the house price. If your portion of the deposit is less than half (ie, you have a deposit saved of less than 10%), your fee will increase slightly depending on your deposit level.

Join us now.

© 2023 Aera 22 Opco Limited.