The system takes.
We give back.
UP TO $10K TO BACK YOUR FIRST HOME.
Shave years off your timeline.
Supercharge your FIRST HOME
Every time a first home sells, tens of thousands get swallowed up in fees. Normally, it fuels suits and marketing departments.
We thought: what if it fuelled you instead?
So we built Aera Credits - cutting through the fat fees clogging the system and dropping up to $10k back where it belongs: with you.
Turn milestones into money.
You smash milestones, complete learning blocks, and stay on track - we turn that energy and commitment into cold, hard cash.
- Grind the reps: Finish your learning blocks. When you cross the line with Aera, unlock up to $5,000 in credits at settlement.
- Refer your people: Bring someone in. When they settle their first home through Aera.
- Earn referral credits - $750 for the first, $1,250 for the second, $3,000 for the third.
That’s not loyalty points. That’s not a free tote bag. That’s one-fifth of your deposit, gone from their pockets and dropped into yours.
Why It Matters and How it Works
Because while you're saving, the market is usually climbing 5–6% a year. Sitting still is falling behind. Grind toward your first home, Aera Credits puts up to $10,000 in real cash back in your corner at settlement. Need more convincing why getting there faster matters? Click here to read this.
Use Aera First Home Coaches to find and secure a home for you, and those credits turn into real cash for any settlement needs.
We don’t magic money out of thin air - we split the fees slushing around in the system and redirect up to $10,000 straight to you. Terms apply of course (click here to see them), but the deal is simple: use Aera, hit your milestones, and watch the system’s waste become your deposit fuel.
JOIN THE AERA FAST TRACK TO ACCESS:
Frequently asked questions
Aera Credits™ are real cash earned through two paths: milestone credits and referral credits. Both are paid out when you or your friends settle a first home through Aera.
Milestone Credits — up to $5,000
Hit milestones throughout your journey in the Aera app: setting up your profile, completing learning modules, working with your coach, and building your Game Plan.
Referral Credits — up to $5,000
Refer people in your network to Aera. When they settle their first home through Aera, you earn:
1st referral who settles → $750
2nd referral who settles → $1,250
3rd referral who settles → $3,000
Credits are redeemed as real cash at settlement, when you use Aera's First Home Coach to buy your first home.
Aera Credits are redeemed as real cash at settlement when you buy your first home through Aera. Use it however your new life needs it - pay your lawyer, buy a couch, cover moving costs. Put it toward whatever makes that first home feel like yours.
Credits have no redeemable value until settlement and cannot be withdrawn at any other time.
How do we give you up to $10,000 in Aera Credits?There are a lot more hidden fees than you think in that first home transaction. To be pretty blunt, when we found out just how much it was we thought it was wrong. And given how challenging it is to get into that first home, more of it should go to Kiwis like you to help you get into your first home years sooner.
We are on the same team as you and we’re in your corner - so when you join Team Aera and you’re ready to buy, we split all our fees with you. You can cash in your Credits adding up to $10,000 when we help with securing your finance and home with our First Home Finder service.
Deposit Credits do not expire as long as you are an active saver and member of Aera, steadily working towards your first home goal. Any unlocked credits have no value other than contributing to your first home deposit at the point of purchase so long as you have utilised the relevant Aera services and all terms and conditions are met.
They may be deemed inactive if you stop saving with us for a period of three months, however may be reactivated again just by starting your savings again and hitting milestones again. We do reserve the right to change the terms and conditions at any time but will always let you know first!
You'll be able to see the Aera Credits you build up in the dashboard in your Aera app, with both milestone and referral credits viewable throughout your journey. When you buy your first home using the range of services Aera offers, your credits are redeemed as real cash at settlement - use it however your new life needs it.
If you join as an Aera member and hit your milestones in the app, and refer people in your network who go on to settle through Aera - you should be on track to unlock the full $10k. $5,000 in milestone credits, and up to $5,000 in referral credits.
At present, your Aera Credits are redeemed as real cash at settlement, when you buy your first home through Aera. Use it however your new life needs it - pay your lawyer, buy a couch, cover moving costs.
The reason for this is we get a fee for finding you a home and we split this with you. Here’s more - we often have promotions with our developer partners who might throw in some vouchers to spend on couches and a brand new TV - bonus!
Not before settlement - Aera Credits can only be redeemed as real cash at settlement, when you buy your first home through Aera. Once settlement is done, the cash is yours to use however your new life needs it.
No. You can use whoever you like, but we’ve created these accounts specially for first home savers to get ahead. And saving at least some of your deposit with Aera helps you build your Credit balance faster.
As seen in...
Cost of living: New report claims it's now impossible for median-income first home buyers to save deposit without help.
