You can only redeem credits when you ultimately use Aera’s services to complete your first home purchase. For example, Aera facilitating the best mortgage, insurances or purchase of a brand new home for you. The more of Aera’s services you use, the more credits you may be eligible to redeem.
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You “unlock” credits along your savings journey, and whatever credit balance you have unlocked and are eligible to redeem can only be used towards your first home deposit and has no other value.